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๐““๐“ž'๐“ผ ๐“ช๐“ท๐“ญ ๐““๐“ž๐“'๐“ฃ๐“ผ ๐“ฏ๐“ธ๐“ป ๐“—๐“ธ๐“ต๐“ฒ๐“ญ๐“ช๐”‚ ๐“ข๐“ฑ๐“ธ๐“น๐“น๐“ฒ๐“ท๐“ฐ

Major retailers are gearing up for some of their biggest sales of the season ahead of the holidays. Whether your buying gifts for the entire family or splurging a little on yourself smart shopping habits can go a long way in helping your budget for the season and manage your bills.


๐““๐“žโ€™๐“ข: ๐’ฐ๐“ˆ๐‘’ ๐’ธ๐’ถ๐“‡๐’น๐“ˆ ๐“‰๐’ฝ๐’ถ๐“‰ ๐‘œ๐’ป๐’ป๐‘’๐“‡ ๐“‡๐‘’๐“Œ๐’ถ๐“‡๐’น๐“ˆ Youโ€™ll get cash back, points and miles depending on the type of card you use. All of your holiday purchases can add up very quickly so you might as well maximize your rewards. Youโ€™ll have to make sure you are paying off your balance each month though. ๐’ฐ๐“ˆ๐‘’ ๐“Ž๐‘œ๐“Š๐“‡ ๐’ธ๐’ถ๐“‡๐’น๐“ˆ ๐’ถ๐’ธ๐“‰๐’พ๐“‹๐’พ๐“‰๐“Ž ๐’ถ๐“๐‘’๐“‡๐“‰๐“ˆ You can set up notifications to alert you of purchases made with your account. This can help you stay on track and avoid any fraudulent activity during the busy shopping season.


๐““๐“ž๐“โ€™๐“ฃ๐“ผ: ๐’Ÿ๐‘œ๐“ƒโ€™๐“‰ ๐“ˆ๐’พ๐‘”๐“ƒ ๐“Š๐“… ๐’ป๐‘œ๐“‡ ๐“‚๐“Š๐“๐“‰๐’พ๐“…๐“๐‘’ ๐“‡๐‘’๐“‰๐’ถ๐’พ๐“ ๐’ธ๐“‡๐‘’๐’น๐’พ๐“‰ ๐’ธ๐’ถ๐“‡๐’น๐“ˆ They may be enticing at check out when the clerk offers a 10-20 percent discount off your entire purchase, but oftentimes these cards can come with high-interest rates and your credit score can also be adversely affected by opening multiple accounts. ๐’Ÿ๐‘œ๐“ƒโ€™๐“‰ ๐“‚๐’ถ๐“ ๐‘œ๐“Š๐“‰ ๐“Ž๐‘œ๐“Š๐“‡ ๐’ธ๐’ถ๐“‡๐’น๐“ˆ Avoid carrying high balances. Banks and lenders usually see maxed out cards as a signal showing that you are overspending. ๐’Ÿ๐‘œ๐“ƒโ€™๐“‰ ๐“Š๐“ˆ๐‘’ ๐“‚๐“Š๐“๐“‰๐’พ๐“…๐“๐‘’ ๐’ธ๐’ถ๐“‡๐’น๐“ˆ Spreading out all of your purchases can make juggling monthly payment harder to manage.


Use these smart shopping tips to help you keep from overspending and stay on budget for the season.

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