{"id":360427,"date":"2021-12-14T10:08:10","date_gmt":"2021-12-14T17:08:10","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=360427"},"modified":"2022-04-18T13:22:20","modified_gmt":"2022-04-18T19:22:20","slug":"holiday-budgeting","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/finance\/holiday-budgeting\/","title":{"rendered":"12 holiday budgeting tips to save money and stay merry"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"200\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/young-family-holiday-shopping-feature-600x200.jpg\" alt=\"\" class=\"wp-image-360355\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/young-family-holiday-shopping-feature-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/young-family-holiday-shopping-feature-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/young-family-holiday-shopping-feature-768x256.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/young-family-holiday-shopping-feature-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/young-family-holiday-shopping-feature-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/young-family-holiday-shopping-feature-1400x467.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/young-family-holiday-shopping-feature.jpg 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Disclosure regarding our editorial content standards<\/em><\/a>.<\/p>\n\n\n\n<p>It\u2019s time to say \u201cHo, ho, ho!\u201d to the winter holidays without putting a \u201cho, ho, hole\u201d in your wallet. With so many expenses bundled up at the end of the year, November and December can be a stressful time. If you\u2019re trying to spread joy without spreading your finances too thin, you may need to spend some time budgeting for the holidays.<\/p>\n\n\n\n<p>Holiday budgeting isn\u2019t as hard as you might think, and sticking to your budget is a lot easier when you\u2019ve laid out your plans clearly.&nbsp;<\/p>\n\n\n\n<p>Follow our tips below to master your holiday budget\u2014that way, you can give yourself the gift of stress-free finances to end the year right.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-look-at-last-year-s-holiday-spending\">1. Look at last year\u2019s holiday spending<\/h2>\n\n\n\n<p>Get ready to<em> sleigh<\/em> your budget by looking at last year\u2019s financial successes and places for improvement. Pull up your bank and credit card statements\u2014or any receipts you saved\u2014from last holiday shopping season.&nbsp;<\/p>\n\n\n\n<p>Ask yourself some of the following questions:<\/p>\n\n\n\n<ul><li>Where was I able to save money?<\/li><li>What did I buy that feels wasteful now?<\/li><li>What did I spend money on that was most valuable?<\/li><\/ul>\n\n\n\n<p>Ultimately, taking a look at your previous spending should help you decide on what you value most in the holiday season: family, travel, meals, gifts, traditions or something else entirely. Take these values forward into your budgeting so you know what to prioritize.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Set a realistic limit<\/h2>\n\n\n\n<p>You <em>snow<\/em> the drill: a budget only works if we put a cap on it. Everyone\u2019s circumstances are different, so you\u2019ll want to take a look at your income, savings and essential expenses to come up with a number that\u2019s right for you.&nbsp;<\/p>\n\n\n\n<p>No matter what, make sure your limit is realistic. Writing down an absurdly low number may feel like progress, but you could be disappointed if you end up overspending. On the other hand, shooting too high may lead to missed opportunities for saving.&nbsp;<\/p>\n\n\n\n<p>The average American household spends <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/retail-distribution\/holiday-retail-sales-consumer-survey.html?id=us:2el:3pr:diUS164630:awa:di:102021\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">almost $1,500<\/a> on purchases related to the winter holidays, but your budget may be more or less depending on the size of your family and your financial situation.&nbsp;<\/p>\n\n\n\n<p>Here\u2019s the best gut check for your limit: imagine the number you chose disappeared from your bank account right now. Would you still be on solid financial footing? If not, you may be cutting into expenses that are more essential than your holiday budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Start a conversation<\/h2>\n\n\n\n<p>Before you start to \u201ctreat yo <em>elf,<\/em>\u201d remember everyone else you need to include in your holiday plans. Whether you\u2019re single, married or have kids, a holiday budget usually involves expenses that extend beyond yourself.<\/p>\n\n\n\n<p>When you\u2019re looking to spend less or spend wisely, it\u2019s best to talk with your friends and family to make sure you know what\u2019s important about the holidays for those you love. During those conversations, you\u2019ll also want to make sure you share your own hopes for the holidays.&nbsp;<\/p>\n\n\n\n<p>Having conversations about money can be tough in any case, but even more so when the holidays are involved. We\u2019ve got conversation starters to help you discuss holiday spending with your family, partner or kids.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"340\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-planning-conversation-starters-600x340.jpg\" alt=\"\" class=\"wp-image-360356\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-planning-conversation-starters-600x340.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-planning-conversation-starters-300x170.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-planning-conversation-starters-768x435.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-planning-conversation-starters-450x255.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-planning-conversation-starters-900x510.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-planning-conversation-starters-1400x793.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-planning-conversation-starters.jpg 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-planning-conversation-starters-printable.pdf\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"72\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-conversation-starter-cards-600x72.png\" alt=\"\" class=\"wp-image-360357\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-conversation-starter-cards-600x72.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-conversation-starter-cards-300x36.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-conversation-starter-cards-768x92.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-conversation-starter-cards-450x54.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-conversation-starter-cards-900x108.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-conversation-starter-cards-1400x168.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-conversation-starter-cards.png 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">4. Lay out all of your expenses<\/h2>\n\n\n\n<p>When you think about your holiday spending, you may<em> fir<\/em>-get that it involves a lot more than just gifts. Finding memorable gifts for everyone in your life may occupy your holiday attention, but your budget needs a few more line items.<\/p>\n\n\n\n<p>Consider some of these other expenses that may need to be accounted for:<\/p>\n\n\n\n<ul><li>Groceries and restaurants<\/li><li>Car or air travel<\/li><li>Decorations<\/li><li>Clothes<\/li><li>Cards or stamps<\/li><li>Wrapping paper or gift bags<\/li><\/ul>\n\n\n\n<p>Making sure that your budget encompasses all of your expenses is a great way to avoid overspending.&nbsp;<br><\/p>\n\n\n\n<p>A good guideline for budgeting is the <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/how-to-pay-down-debt-with-the-50-30-20-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">50\/30\/20<\/a> rule: Aim to spend 50 percent of your income on needs, 30 percent of your income on wants and 20 percent of your income on savings or debt payments. Since holiday budgeting likely falls under the \u201cwants\u201d category, you\u2019ll want to calculate with 30 percent of your income\u2014but be sure to factor in non-holiday wants as well.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Try out envelope budgeting<\/h2>\n\n\n\n<p>If you think envelopes are great for holiday cards, <em>yule <\/em>love hearing how they can make your budget even better. <a href=\"https:\/\/www.creditrepair.com\/blog\/money-management\/cash-envelope-templates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Envelope budgeting<\/a> is the process of determining a dollar amount for each expense and setting that money aside so that you don\u2019t use it for anything else.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re using cash, you can use actual envelopes\u2014but there are alternatives for online money management, too. For example, many banks enable you to create savings buckets, so you can split up your account into different categories. By creating a bucket for each holiday expense, you can get a sense of how much you still need to save, and you can keep track of your spending throughout the season.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Make a list and check it twice<\/h2>\n\n\n\n<p>If the holidays have you feeling <em>Santa-mental<\/em>, it may be time to plan which gifts to get\u2014otherwise people might see you as a rebel without a <em>Claus<\/em>. Although it\u2019s tempting to get an expensive gift for everyone on your list, you\u2019ll want to prioritize spending on the most important people in your life.<\/p>\n\n\n\n<p>Keeping your overall spending limit in mind, list out the people you want to buy gifts for, then write down their likes or wish list to come up with a spending target. If you need help keeping track, we\u2019ve got a great resource for making a gift list.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"340\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/gift-planning-budget-checklist-600x340.jpg\" alt=\"Budget trackeer printable\" class=\"wp-image-360361\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/gift-planning-budget-checklist-600x340.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/gift-planning-budget-checklist-300x170.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/gift-planning-budget-checklist-768x435.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/gift-planning-budget-checklist-450x255.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/gift-planning-budget-checklist-900x510.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/gift-planning-budget-checklist-1400x793.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/gift-planning-budget-checklist.jpg 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/gift-planning-budget-checklist-printable.pdf\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-gift-planning-budget-tracker-600x72.png\" alt=\"\" class=\"wp-image-360362\" width=\"600\" height=\"72\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-gift-planning-budget-tracker-600x72.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-gift-planning-budget-tracker-300x36.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-gift-planning-budget-tracker-768x92.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-gift-planning-budget-tracker-450x54.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-gift-planning-budget-tracker-900x108.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-gift-planning-budget-tracker-1400x168.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-gift-planning-budget-tracker.png 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">7. Give your time&nbsp;<\/h2>\n\n\n\n<p>While gifts often feel like the only way to celebrate the holidays, those closest to us often prefer our presence to our <em>presents<\/em>. During a busy time of the year, taking a moment to get together with friends or family is often the best gift of all.&nbsp;<\/p>\n\n\n\n<p>Here are some ideas for gifting your time:<\/p>\n\n\n\n<ul><li>Set up a potluck<\/li><li>Host a board game or trivia party<\/li><li>Help out with decorating<\/li><li>Pitch in with winter chores<\/li><li>Take your nieces or nephews for a day trip<\/li><li>Schedule a family video chat<\/li><\/ul>\n\n\n\n<p>Whatever your family or friends enjoy doing together, make it a point to set aside time to make it happen\u2014the memories will likely last longer than any gift.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">8. Share some creative coupons<\/h2>\n\n\n\n<p>If expensive gifts are your go-to, you may need to act more like a Christmas tree and <em>branch out<\/em>. Personalized gift coupons are one of the oldest tricks in the book, but they\u2019ve stuck around for a simple reason: they\u2019re actually amazing.&nbsp;<\/p>\n\n\n\n<p>With one of your gift coupons, your partner can redeem a cup of hot chocolate with marshmallows on a chilly evening or your kids can cash in for a few extra minutes before bedtime. Of course, you may also have some great ideas of your own for how to fill out a super special holiday coupon.<\/p>\n\n\n\n<p>Use one of our pre-made coupons or fill out your own to share with your friends, family or children.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"340\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-coupons-2-600x340.jpg\" alt=\"\" class=\"wp-image-360370\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-coupons-2-600x340.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-coupons-2-300x170.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-coupons-2-768x435.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-coupons-2-450x255.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-coupons-2-900x510.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-coupons-2-1400x793.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-coupons-2.jpg 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/holiday-coupon-printable.pdf\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"72\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-holiday-coupons-1-600x72.png\" alt=\"\" class=\"wp-image-360372\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-holiday-coupons-1-600x72.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-holiday-coupons-1-300x36.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-holiday-coupons-1-768x92.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-holiday-coupons-1-450x54.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-holiday-coupons-1-900x108.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-holiday-coupons-1-1400x168.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/12\/download-holiday-coupons-1.png 1500w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">9. Start new traditions<\/h2>\n\n\n\n<p>If your holiday routine is in a rut, it may be time to <em>spruce<\/em> things up. The main point of your holiday season may currently be gift-giving, but it doesn\u2019t have to stay that way. Often the best parts of the holidays are the little traditions that don\u2019t cost much or anything at all.&nbsp;<\/p>\n\n\n\n<p>If your holiday crew has decided to scale down the presents, try some of the following alternatives for low-cost and memorable traditions:<\/p>\n\n\n\n<ul><li>Caroling door to door<\/li><li>Visiting well-decorated neighborhoods<\/li><li>Baking cookies and other treats<\/li><li>Playing board games<\/li><li>Volunteering at a local charity<\/li><li>Sharing family stories<\/li><li>Creating holiday crafts<\/li><li>Watching classic holiday movies<\/li><\/ul>\n\n\n\n<p>Whatever you choose to do, do it with the people you love. Most of our lasting memories of the holidays revolve around people rather than presents, so starting a new tradition is a great way to keep your spending under budget while increasing your joy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">10. Create personalized gifts<\/h2>\n\n\n\n<p>It\u2019s simple <em>Claus<\/em> and effect: giving personalized gifts makes the recipient feel special. Taking a moment to think about what someone really needs shows care and consideration that outweighs any monetary value.&nbsp;<\/p>\n\n\n\n<p>Some of the best gifts are inexpensive or free\u2014but well-thought-out. Personalized gifts can be DIY or purchased. Maybe you provide cooking lessons for a family member you know has been hoping to improve their culinary skills. Perhaps you craft fabric ornaments for all your coworkers. Or you may simply write a thoughtful letter to a friend you know needs to hear from you.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">11. Watch out for \u201cbuy now, pay later\u201d<\/h2>\n\n\n\n<p>The sticker shock on popular holiday gifts often has us all muttering, \u201cSay it ain\u2019t <em>snow<\/em>.\u201d In the past few years, many companies have tried to hide the true cost of larger purchases with \u201cbuy now, pay later\u201d offers. Instead of seeing the full cost, you\u2019ll see a <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/does-financing-affect-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">monthly payment and a term<\/a>.&nbsp;<\/p>\n\n\n\n<p>While the short-term cost may seem appealing, this long-term contract for holiday spending can throw a wrench in your budget. If you\u2019re going to end up paying $50 each month for two years to cover the cost of a present, for example, your budget may not actually stretch for the entire $1,200 cost.&nbsp;<\/p>\n\n\n\n<p>A good motto to stick by during the holiday shopping season is this: if you can\u2019t afford it now, you can\u2019t afford it (yet). Your budget may change down the line, but it\u2019s best to stay within your current means when making holiday purchases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">12. Be mindful of credit card spending<\/h2>\n\n\n\n<p>Credit cards are wonderful financial resources, but they can get you in a <em>fa-la-la-lot <\/em>of trouble if you don\u2019t monitor your spending carefully. While it\u2019s tempting to spend up to your card\u2019s limit, a good approach is to set your own spending limit that matches your budget.&nbsp;<\/p>\n\n\n\n<p>Paying off your full credit card balance every month is an excellent habit that can boost your credit score, and you don\u2019t want to make an exception for the holidays. Remember the budget you set for the holidays, and don\u2019t let your credit card interfere with your financial goals. If it helps you keep your seasonal spending in check, consider sticking with your debit card or cash during the holidays.<\/p>\n\n\n\n<p>If you\u2019re using a credit card during the holidays or any time, you\u2019ll want to make sure to keep a close eye on your credit report. Errors and inaccuracies with your personal information, balances or payment history can happen, and unless you file a dispute, your score may drop unnecessarily as a result. If you\u2019re having trouble understanding the information on your credit report or need help fixing your score, a <a href=\"https:\/\/www.creditrepair.com\/fix-my-credit\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair company could be the support you need<\/a>.&nbsp;<\/p>\n\n\n\n<p>With a solid plan in place for your holiday budget, you\u2019ll be able to stress less about finances and focus on what matters most this time of year: being with the people you love.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"https:\/\/creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Note: <\/a> The information provided on CreditRepair.com does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s time to say \u201cHo, ho, ho!\u201d to the winter holidays without putting a \u201cho, ho, hole\u201d in your wallet.<\/p>\n","protected":false},"author":71,"featured_media":360354,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - 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