The holidays are a fantastic time to start building credit without breaking the bank. Here are a few easy ways to help you Live Better Financially this season!

Get a Beginner-Friendly Credit Card: A simple starter card can help you build credit responsibly. Use it for small purchases—like holiday gifts or travel—and pay it off on time. Payment history is a major factor in your credit score, so consistent, timely payments now set you up to Live Better financially in the future.

Report Bills You Already Pay: There are services that let you add bills—like phone or streaming subscriptions—to your credit report. Since you’re already budgeting for these, it’s an easy way to build positive payment history on your credit profile.

Avoid Store Credit Cards: Those holiday discounts can be tempting, but store cards often have high-interest rates. Unless you’re certain you can pay off the balance immediately, they may cost you more in the long run. Stick with one general credit card for simplicity and to avoid missed payments on multiple accounts.

Stay mindful of Spending and Payment Dates: Set reminders for due dates and track your holiday spending. This keeps your finances organized and helps prevent missed payments.

The holiday season is a great time to build credit while staying budget-smart, helping you to Live Better Financially. Remember to keep spending responsible, avoid overspending, and maintain your credit utilization below 30% to maximize your efforts. With balanced finances, you’ll enjoy a financially healthy holiday season and set yourself up for success in the new year!

Happy Holidays!