It’s the most expensive time of year, but what if it doesn’t have to be?

In case you need a reminder, the holidays are no time to go into debt. And yes, we know this is easier said than done. In a world where social media influencers are encouraging us to splurge – and we can buy things on our smartphones with two clicks – it can be hard to reign in the desire to shower gifts on our nearest and dearest (and ourselves).

No Debt Holiday Season. But here’s the thing. Your friends and family don’t want you to put yourself in a difficult position come January just so they have a few more gifts to unwrap now. And it’s possible to have a perfectly lovely season – and stay out of debt – if you remember a few key strategies.

• Create a Holiday Budget
• Pause Before You Purchase
• Unsubscribe to Emails and Text Alerts
• Maintain Long-Term Goals
• Plan Ahead for Next Year

Read Jean Chatzy’s full article and tips on holiday spending here: 

Want to learn more about how to keep your credit healthy?  Credit Sense is available in the BOS Mobile Banking App and BOS Online Banking. Enroll in Credit Sense to access your credit score, full credit report, credit monitoring, financial tips, and education. There are many resources available to continue learning about what impacts your credit, how to maintain your score, and a credit simulator to better understand what changes could happen during major financial decisions.

Looking for a short-term savings account for your holiday shopping? Check out the BOS Holiday Club Savings Account.

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