By Nicole Brewer

PHILADELPHIA (CBS) — We all know it’s the thought that counts. But, when it comes to holiday gifting, most rely on a budget.

For the average person, it’s about $715, according to a new survey by research company NDP Group.

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The same study revealed one in five admit to overspending, which could explain why 25 percent say they’ll shop the bargain bins this holiday season.

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With sales and promotions aplenty, 19 percent admit to spending money on themselves and twice as many said they’d consider it.

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With less than three weeks until Christmas, 22 percent say they’ve started shopping, 4 percent are finished and three in ten will wait until the last minute.