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Staff Saving Tip 3

Spring is almost here! Warmer weather is approaching, and the worst of winter is behind us. Maybe you’ve been doing some therapeutic spring cleaning. But you should really be thinking about Christmas!

I know it sounds a little crazy, but the only way to avoid Christmas credit card debt is to plan and shop early! Christmas comes at the same exact time every year, but most of are financially unprepared. It’s the most expensive season and the majority of the country accumulates debt buying presents.

So instead, buy gifts throughout the year and save purposefully so you can pay all cash when Black Friday rolls around.

If you have debt you want to pay off, watch our mini video series 5 Steps to Debt Free Living at