Dec 6, 2016, 14:49 PM by Krista Olson

I love the Christmas season, my oldest son is three now… the perfect age for Christmas. He’s getting into Santa Claus and the concept of “naughty and nice” and Christmas gift giving. He helped us decorate the tree and put up Christmas decorations.  So the holiday kick-off has been more fun than ever for our family this year.

That’s the great part. The hard part for Bob and I is all the holiday spending. Parties, decorations, gift-giving, travels to friends and families all take a toll on our monthly budget.  It’s so easy to just reach for the credit card and worry about the details later. Then January comes…who opens up their January credit card statement? I don’t, it’s too depressing,. I just make a payment and open it in February.

Winnebago Community Credit Union has a solution to this dilemma. A holiday loan. The biggest problem with using  credit cards during the holidays is paying off the charges. Before you know it next year comes around and last year’s holiday hasn’t been paid off yet – that’s frustrating!

A holiday loan keeps you on a budget and gets paid off with 12 easy payments. Plus the rate is much, much lower than department store credit cards. You can borrow as little as $500 or as much as $2,000, and the process is quick and simple.

If holiday credit card use has you feeling down this season – make a plan to ease that stress. The lenders at Winnebago Community would love to help you out.

Happy Holidays!!