Five practical ways to control credit card spending during Diwali and Dhanteras 2026: set a festive budget, use discounts wisely, manage credit utilisation, avoid unnecessary EMIs and pay bills. Master your Diwali 2026 shopping with this simple guide on budgeting, smart purchasing choices, and items to avoid for a stress-free festival. Here are seven ways to balance festive spending, build savings, repay debt and invest the extra money.