So far this November, U.S. shoppers have spent more than $107 billion online - that's up nearly 10% from last year.

Shoppers spend a record $9.12 billion online shopping during Black Friday and another record $11.3 billion on Cyber Monday, according to the most recent data from Adobe.

As high prices continue to weigh on most households' budgets, more shoppers are relying heavily on credit cards and flexible payment plans to make their purchases.

News 12's Elizabeth Hashagen was joined by personal financial finance expert George Kamel for help on digging out of debt and making the most out of your money.

Below is George's SMART spender guide:

S – Self Awareness: Will this add value to my life?

M – Motive: Am I buying this for the right reason?

A – Affordability: Is this in my budget?

R – Research: Is this the best option, retailer, price?

T – Timing: Is now the time to buy it?