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Educational guidance on how to most efficiently handle credit & finances.

  • It's that time of the year we all anticipate annually and we all love! The holiday season brings so much joy, so much food, so many gifts which also means so much....shopping! If you have little ones you have to play Santa for or if you are just a sucker for big sales like I am then it's very easy to get carried away with spending around this time. It can also be very tempting to do majority or all holiday spending on credit cards since that's a great opportunity to accumulate a lot of rewards points and bonus cash etc to maximize savings. Did you know that if you don't plan carefully, you could end up with a drop in your credit score after it's all said and done? Let me explain how: