Strategies to Stay Financially Secure During the Holidays

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Strategies to Stay Financially Secure During the Holidays

The holidays are upon us, and we at Sadek Bankruptcy Law Offices want to see you overcome the financial challenges that they may bring.  Whether it is buying gifts for loved ones, paying for travel expenses, or hosting dinners for extended family, the holidays involve spending.  Many people rely on credit cards to make ends meet during the holidays.  Carrying a credit card balance, with interest and payments that constantly add up can put a family at risk of a financial breakdown.  Going into the holiday season with an awareness of the strain on the budget is a good place to start.  Additionally, consider these strategies to avoid over extending yourself.

What can you do?
1.       Save money earlier in the year, and ear mark those funds in a holiday spending account.  This will allow you to not rely on credit in order to meet your holiday spending needs.
2.       If you know that you will need to use credit to make it through the holidays, then attempt to pay down your credit card debt load prior to the season starting.  This will reduce the interest and minimum payments that will need to be paid.

3.       Consider consolidating or transferring high interest rate cards to lower ones.  This saves money, and increases the likelihood that you will be able to manage to pay the debt off eventually without disrupting your family’s regular budgetary needs.


The holidays are a joyous time, and no one wants to think about the potential harm overspending can have on ones’ life after the season ends.  Being aware of spending, and setting real limits puts you ahead of many and can give you added financial security.  Try implementing the above strategies as well.

Despite our best efforts, sometimes we need help.  The attorneys at Sadek Bankruptcy Law Offices are here for you, and are happy discuss your financial issues with a free consultation.

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