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The most wonderful time of the year can also get expensive — but it doesn’t have to.​ Between gifts, hosting and travel, holiday costs add up fast. The key? Plan ahead now so you’re not overspending later.​ We have simple tips to help you stay focused, spend with intention and avoid post-holiday debt.​ Start now — your January budget will thank you.​ Read more: https://bit.ly/3G28TY0 ​ #MidFirstBank #HolidaySpending #DebtFreeHolidays #PlanAhead #FinancialEducation

🎄 Tips to Stay Debt-Free This Holiday Season 🎁 The holidays are a time of joy, but they can also strain our wallets. Here are some practical tips to keep your finances in check while still spreading cheer: 💡 1. Set a Budget: Decide how much you can afford to spend and stick to it. Include gifts, decorations, food, and travel in your plan. 🎁 2. Give Thoughtful, Not Expensive Gifts: A heartfelt note, a homemade treat, or a meaningful gesture often means more than a pricey present. 🛍️ 3. Avoid Impulse Buys: Take a list when shopping, whether in-store or online, and avoid getting sidetracked by flashy deals that weren’t part of your plan. 📅 4. Start Early: Spreading purchases out over time can help you avoid a big hit to your bank account in one month. 🎨 5. Get Creative: DIY gifts, holiday potlucks, or recycled decorations can save money and add a personal touch. 📉 6. Use Cash or Debit: Leave credit cards at home to avoid overspending. If you must use a credit card, choose one with rewards and pay it off immediately. 🌟 7. Focus on Experiences: Memories last longer than material gifts. Consider low-cost activities like movie nights, baking, or neighborhood light tours. Remember, the best gift you can give is your presence and care! Let's celebrate the season without financial stress. ✨ What are your favorite ways to keep holiday spending in check? Share below! ⬇️