How to Avoid the Holiday Debt Trap

It's that time of year... when diets and spending plans get ignored until the pain hits in the new year. FINRA (Financial Industry Regulatory Authority) provides some good tips and reminders.

"Thanksgiving came early this year, and media sources have already reported record-breaking holiday spending in the wake of Black Friday and Cyber Monday sales. The holiday shopping season is in full swing. But beware—more time to shop means more time to spend.
Let's face it, there's no escaping the aftermath of too much holiday cheer, whether it's a few extra pounds or the dreaded hangover. Binging on gifts and entertaining can leave a lasting pain, too: credit card debt."

• Make a Budget and Check it Twice

• Track Your Spending

• Consider Shopping Solo

• Reward Yourself With Your Credit Card Rewards

• Get Smart About Credit Card Offers

Details and pep talk at: 
http://www.finra.org/investors/highlights/avoid-holiday-debt-trap?utm_source=MM&utm_medium=email&utm_campaign=S%5FAI%5F121118%5FFINAL