Making the holiday budget work takes work and most importantly strategy.
I share how I've transitioned into not saving for Christmas because hey, it might work for you as it has for me.
I'm fully on team no stress, and designating my credit card’s cashback to help me not worry about Christmas works for me.
I can set a budget based on how much cashback I get. Plus control how much I spend on gifts since self-gifting can get out of control.
Oh and avoid chasing points, credit card debt, BNPL debt, and so much more.
Being purposeful in how we maximize what we have can be very beneficial. Don't get it twisted lol.
Q: What do you use your credit card points or cashback on? Is it making your planning and budget easier or not really?
