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There is a special holiday tradition that almost every American observes.
It’s more common than drinking eggnog
It’s more widespread than stringing festive lights outside the house
And it’s way more expensive than building a snowman
The temptation to overspend is overwhelming during the holidays.
And most Americans do not resist that temptation.
In fact, a survey by MagnifyMoney.com found the average American added over $1000 to their credit card balances last holiday season!
An Experian survey found …
56% of people say they spend too much during the holiday
55% of people feel stressed about their finances during the holidays
43% said the extra expense makes the holidays hard to enjoy
31% said they have gone into debt from unexpected holiday expenses.
All this makes for quite a post-holiday hangover!
So, how much did you overshoot your holiday budget?
Did all of that overspending wind up on your Visa and Mastercards?
If you maxed out a card or two, then I have a great New Year’s resolution for you.
Use more checks!
And using more checks in January is a really smart move.
You can ease the “cash flow” crunch on your bank account by taking advantage of the mailing time and the “float” time.
And you won’t put any additional strain on your credit card balances…and your credit score!
In fact, checks might be the smartest way to pay for everything in January.