Unwrap a stress-free holiday with Skip-a-Pay

December can be an expensive month. Between holiday shopping, travel costs and higher utility bills from the winter freeze, it’s tempting to rely on Credit Cards or other credit lines to ease the financial pressure. While using credit responsibly for purchases is fine, costs can add up quickly—especially with high-interest cards. The good news? With a little planning, you can enjoy the season without taking on new debt.

At Abound, your financial health is our top priority. Here are a few habits to adopt this December to avoid holiday debt:

1. Set a spending limit – One of the smartest ways to avoid overspending is to set a clear limit. Review your holiday spending from previous years and aim to stay within that range. To help, you can set up spending limits on your debit card through Digital Banking¹:

• Log into Digital Banking and select Manage Cards from the navigation menu.
• Click Controls & Alerts under the Manage Card
• Choose Spend Limits under the Controls
• Click the toggle to enable spend controls, which will deny transactions exceeding your limit.
• Set your limit and press Apply to save.

2. Look for deals – Take advantage of holiday sales and discounts. Compare prices before you buy to secure the best deal. Every dollar saved is a big win and helps you stretch your budget further!
3. Keep track of your spending – The holidays can get hectic and costly. Stay mindful of every purchase and monitor your spending through Digital Banking to ensure you stay within your budget.
4. Shop with CashBack+ – Turn your holiday shopping into cash back! Through our CashBack+ program, available through Digital Banking, you can earn up to 20% cash back from your favorite brands like Target, Walmart and hundreds more². Simply purchase your digital gift cards through CashBack+, and your cash back lands in your CashBack+ wallet within 24 hours. Use those extra funds to help cover gifts, travel or anything on your holiday list, so you can enjoy more breathing room in your budget.

Already carrying debt? We’ve got your back.

If you’re entering the season with existing debt, don’t worry, we’ve got options to help you reset, reduce pressure and regain control.

We offer many solutions to help you manage your debt, including:

• Home Equity Lines of Credit – Borrow money as needed for any reason. In addition to paying off debt, you can tap into your home's equity to cover unexpected expenses or make major purchases.
• Personal Loans – Getting one new loan to pay off a wide range of debts can simplify your finances and often save you money in interest charges.
• Abound Visa® Credit Cards – These cards come with no balance transfer fees and low rates. You can save a bundle by transferring balances from higher-rate cards.
• Loan refinancing – Refinance loans like Home, Auto, Boat, RV or Motorcycle Loans to secure better terms, such as a lower rate or more affordable monthly payment. Check out our Compare Your Rates and Save Calculator to see how much you could save by choosing Abound.

Interested in debt consolidation? Visit your local branch today, and our team will examine your financial situation to help develop a strategy that meets your needs and brings you relief.

We hope you enjoy a warm, stress-free holiday season!