Introduction
The holiday season is a time of joy, celebration and giving. However, it can also be a time of financial stress due to increased spending on gifts, travel and festivities. Many people find themselves starting the New Year burdened by loads of avoidable debt they accumulated during the holidays.
At Ideal Credit Union, we believe that with careful planning and budgeting, you can enjoy giving gifts without compromising your financial well-being. This guide will help you understand the importance of holiday budgeting and provide practical steps to avoid unnecessary debt.