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the interest rate that's increasing. >> it hasn't stopped you from spending the way that you're spending? >> no. only because i feel, like, pressure to, you know, have a good christmas for my children. >> reporter: experts recommend prioritizing 0% balance transfer cards and consolidating your debt. >> if this describes you, no shame. you have plenty of company. but let's focus on bringing that interest rate down. >> reporter: there's other strategies too. this hanukkah, jamie is just focused on spending quality time with loved ones. >> this year it's going to be about experiences than actual gifts. >> reporter: because the most memorable gifts don't have to cost anything. brian chung, nbc news, new york. >> some good advice. when we come back, united in song. the remarkable journey of ukraine's children's choir, their spot on the world stage, and why this holiday classic means so mucto them.h i'i've alwayays had trouoube falllling asleepep and d staying asasleep, you know, , insomnia.. but thenen, i found d quvivi, an fda a approved memedicatin