"If you have pre-holiday financial anxiety, join the club. Between the gifts, meals, gatherings, traveling, and even the office white elephants, the season can feel like a bottomless money pit. But this year doesn't have to be that way. In fact, there are several steps you can take to prevent a financial hangover come January 2. I'll break down all of those strategies, but just know that they do require planning ahead."
"The cool thing about using cash to pay for things is that it keeps you honest. If you only have $100 on you, you can only spend $100. That's what makes shopping with cash the ultimate budgeting hack. Maybe this feels a little intense. I mean, when was the last time you were at an ATM? If you have Chime, though, that whole process becomes a lot easier since you'll get you access to 47,000 fee-free ATMs across the U.S."
Pre-holiday spending often spikes because of gifts, meals, gatherings, travel, and office events, risking a January financial hangover. Preventive planning can curb that strain. Paying with cash enforces a strict budget limit and reduces impulse buys; fee-free ATMs make cash access convenient. Accessing earned wages early up to $500 enables taking advantage of timely holiday sales without waiting for payday. Monitoring checking account activity and minimizing account fees preserves available funds. Implementing these practical steps requires advance planning but can significantly reduce seasonal overspending and protect financial stability heading into the new year.
Read at Bustle
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