Just in time for Cyber Monday, TD Bank estimates that nearly eight in 10 American shoppers overspend on holiday purchases and the average shopper overspends by about $215.

According to TD Bank’s Merry Money Holiday Spending Survey, while a little more than half (52 percent) of survey respondents create a budget, only about 70 percent actually stick to it. Holiday shoppers blow their budgets searching for the perfect gift (65 percent) or indulging in small impulse purchases (57 percent). Almost half (49 percent) of consumers treat themselves while shopping, and one in four goes over budget on things like wrapping paper and gift cards.

“Spending during the holidays can add a lot of stress to what should be a wonderful and relaxing time of year,” James Capolongo, TD Bank’s head of deposit products, pricing and fee income, said in a statement. “By establishing a budget and using a debit card to make the most of your holiday, people can avoid overspending and shift their focus to what matters most – spending time with family and friends.”

Spending patterns also broke down along gender and demographic lines, TD Bank said. Women outspend men on gifts for family and friends ($191 versus $161), but men outspend women on gifts for their pets ($32 versus $17), coworkers ($45 versus $24) and themselves ($55 versus $39).

Millennials are more likely to create a holiday budget (64 percent) than Gen Xers (52 percent) and Baby Boomers (43 percent), and they’re slightly more likely to stick to their budgets (73 percent compared with 70 percent overall).

Millennials also spend less during the holidays ($515) than their counterparts (Gen Xers $589; and Boomers $530) and are also more likely to regift (61 percent) than Gen Xers (56 percent) and Boomers (47 percent).