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During the holiday season, it seems that no matter how early those store decorations go up, we feel as though we’re suddenly caught off guard. Our holiday shopping turns into a sprint, and then quickly deteriorates into a spending frenzy. “The heck with the budget full speed ahead! Cha-a-a-r-r-r-ge it!” Like any binge hangover, once the fog clears from our pounding head, we are reminded of our misdeeds committed under the influence of credit cards as the monthly statements pour in. And, then we groan, “I’ll never do that again.” Okay, this is your chance to avoid the holiday shopping hangover and keep you credit score from taking a January dip.
Get your plan together, stick with it and the only hangover you might get is from a few hot toddies. We can live with that.