Holiday Survival Guide

How to avoid credit card debt problems that bust your budget during the holidays.

Although the holidays are a joyous time of the year, they can also be a big problem for your finances. If you want to steer clear of end-of-year money problems and avoid a holiday debt hangover, you need to make a plan.

Start shopping early to reduce the burden of extra costs

It’s a matter of simple math – the average total price tag for the winter holidays ranges from around $800 to $1,300, depending on the size of your household and how big you go for the holidays.

Even the low end of that estimate is still a big burden if you’re making all of those purchases in a single month – or worse, in a single pay cycle if you’re a last-minute shopper. That’s why starting early is such a big advantage in preventing holiday debt – the more you can spread the cost out over multiple pay cycles, the less of a burden you’re placing on the free cash flow in your budget.

That’s why it’s so encouraging to see more and more consumers start their holiday shopping early:

When do you start holiday shopping?

 

Helpful resources to help you avoid holiday overspending

Even with an early start, it takes careful planning to avoid amassing significant credit card debt during the holiday shopping season. All of that shopping can also have other repercussions on your financial outlook. The following resources can help you maintain stability and financial security during the holiday shopping season:

More tips to help cut holiday costs

Even with a solid holiday spending plan, you may find yourself going overboard and pulling out your credit cards to cover added costs. The following tips can help you stay on the right path:

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