Millions of consumers are still doing their holiday shopping, snagging sale items either in-person or online, and thereby considering themselves savvy shoppers. At the same time, many lose sight of the fact that regardless of the price, a bargain isn’t a smart purchase if it compromises a shopper’s overall financial health.

If there’s one time of the year when people shop with their heart, not their head, it’s the holiday season. Emotional spending during the holidays is often the tipping point that pushes people over the edge financially, as common sense can take a backseat this time of the year.

To help consumers remain financially responsible during the holidays, here are five reminders of the long-term consequences of over-spending, some of which can last long after the tree is taken down and the ornaments packed away.