Deck the Halls…On a Budget

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Whoever said money doesn’t go on trees did NOT know about my magical Christmas tree. Jk! But in all seriousness, is it really the day before Thanksgiving??? Like, how?!?! As crazy as it is that the holiday season is already here, I am beyond excited for the next few weeks. For B and I, the holidays are all about family. We have a bunch of folks coming into town to crash at our place and then we’ll be spending the next few days with our families. Nothing beats that if you ask me. And honestly, don’t even get me started on Christmas – can’t wait for the little ones to get here so we can make gingerbread houses and go ice skating. Eek!

Speaking of all the things, let’s be real. The holiday season comes with its fair share of expenses. Last minute flights to see nana or gas for road trips to bounce between family dinners. Gifts for the bae, gifts for the parents, gifts for the co-workers that you didn’t really want to get gifts for. Regardless of the expenses, the holidays probably have a major impact on your spending —and your credit.

I am SO freaking happy that all of my credit cards are paid off (finally) and feel so much better about using my card to make purchases. Why?  Because I’m no longer using my card to fund things I can’t afford at any specific moment. I feel so much more empowered to make smarter purchases that align with my budget and goals.

Luckily can provide the right solutions for anyone looking to repair their credit score. Their mission is to empower all of us to achieve a credit score that we deserve so we enjoy greater opportunity. Not only do they educate customers but they remind customers that their credit score is not set in stone. If you’re looking for help with your credit profile, is a leading provider of credit report repair services in the United States. 

A few years ago, I wasn’t in the best of places credit-wise. Fast forward to today and not only have I taken the steps to take responsibility for my credit but I’m also taking the steps to ensure that my future decisions are helping my credit rather than hurting it.

You can still use credit cards without setting yourself back and that’s what the past few months have been about for me. Establishing a better relationship with credit in general. Using my credit card for travel expenses or everyday purchases to earn points and then making those payments immediately with the cash I would have used. And not being afraid of the word “credit”.

I have every intention to enjoy the holidays. I can’t wait to shower the girls with experiences when they come to visit us in Atlanta. I can’t wait for B and me to plan a spontaneous NYE trip. I can’t wait to make cookies for our guests next week. All of those things take money but I’ll tell ya what it won’t be costing me – my credit.

A few tips: 

  1. Create a budget and STICK TO IT. Allocate a certain amount of money you’ll spend on gifts, experiences, etc. Write your budget in your notes section on your phone and update it every time you swipe your card. Take cash out and put it in envelopes to grab as you go over the next few weeks. 
  2. Plan ahead. If you know you’re traveling, book your flights now while they’re cheaper! The same goes for activities. Grab that early bird or pre-arrival pricing to save big time. 
  3. Think outside of the box. Not all holiday activities and gifts have to come with a price tag. B and I are trying the homemade gift route this year – stay tuned! Rather than having the entire family go out to eat for a pre-holiday dinner, do a potluck at your house and have everyone bring their favorite dish and BYOB. 

Here’s to decking the halls with smart money moves!