How to avoid holiday spending regret Dec 3rd

The “Big Five” Canadian banks offer credit cards and include Royal Bank of Canada, Toronto Dominion Bank (TD Canada Trust), Bank of Nova Scotia, Bank of Montreal and Canadian Imperial Bank of Commerce (CIBC). Did you know that there are many other options?

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How to avoid holiday spending regret

– moneysense.ca

The holidays promise laughter and the joy of togetherness, but the sparkle of the season can quickly fade when your credit card bills start rolling in. Financial and behavioural experts give their best advice to avoid unwrapping spending regret come January.

Choose presence over presents this season

The desire to give gifts during the holiday season runs deep for many. “The biggest factors that drive this desire are our own thoughts and emotions,” said Michelle Johnston, a registered psychologist at Take Care Therapy Co. Family traditions and assumptions about how others will perceive us based on the gifts we give are also essential motivating factors in determining the opulence of material items or experiences we purchase for others, she added.

Instead, Johnston encourages individuals to make “more mindful and values-aligned choices” during the holiday season. In lieu of a physical present, she recommends giving the gift of time: craft something handmade, enjoy a budget-friendly holiday outing, or find another meaningful way to be together…

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