INDIANAPOLIS (AP) – Indiana Secretary of State Connie Lawson is advising shoppers to be careful not to fall into debt during holiday shopping and to beware of scams.

Lawson says it’s easy to fall into debt during the holiday season and advises people to be fiscally responsible. She says shoppers shouldn’t assume the best deals will be found on Black Friday or Cyber Monday. She says some items drop in price much closer to Christmas.

She also warns shoppers to beware of restocking fees, saying shoppers may have to pay for a returned item to be repackaged and replaced. She says some retailers charge up to 25 percent or more.

She also recommends people pay with cash or use a debit card so that when they run out of money, they’re done shopping.