Black Friday deals are starting early this year, and that means more pressure to spend. As the holiday shopping season expands and retailers make impulse buys easier, via smartphone and otherwise, consumers have to be extra disciplined.

The National Retail Federation forecasts holiday sales will rise 4.1 percent to $586.1 billion this year. Shoppers are expected to spend an average $749.51 in November and December, with many shelling out much more. Unfortunately, many will take months to pay off the goodies they bought. Among the potential debt traps: