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How to Avoid Credit Card Mishaps Around The Holidays

Holiday shopping can be fun but super stressful. Our wallets take a brutal beating every year. The department stores lure us in with their big holiday sales and savings. There is always some huge “special holiday promo” but are we truly saving money?

Here is some helpful advice that can assist you with avoiding credit card drama post holiday shopping:

  • Avoid opening up new credit cards during the holidays:
    Actually, leave the credit cards at home! This might be the most effective way not to get yourself into credit card debt that you will most likely regret after the holiday season. Credit cards are a tease and deceiving by allowing you to think that the money you are spending is actually “yours”. Reality check, it’s not!
  • Set a holiday budget for yourself:
    Make a shopping list and budget on how much you’ll be spending on your loved ones. It is easy to get distracted once you hit a department store with their holiday decorations and new inventory. Also, a holiday shopping list is good to have before you decide to splurge. Plus, it’s not about how much you spend it’s the thought that counts!
  • ‘Tis the Season of Giving to Others:
    This holiday season, try focusing on shopping for others and not for yourself. We know it’s hard, but remember that the holidays are all about giving. In addition, you have all year to shop for yourself anyway!
  • Simply prepare and save up:
    Everyone knows that the holidays are expensive, so why not save yourself some trouble and save up your cash to spend before some serious holiday shopping. This way you won’t be tempted to turn to your credit cards. 

Does this sound way too easy? Well, it’s because it really is! Follow these simple steps and enjoy the holiday season along with the post-holiday season without credit card debt!

Happy Holidays from the Perennial Funding Team.

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