The happiest and most wonderful season of the year is upon us mga Ka-HC! Christmas lights are up, parols are shining, and Jose Mari Chan’s Christmas songs are being blasted in almost every home. As the air starts to get chilly for the holidays, now’s the perfect time to start shopping and beat the December rush. But we’re not just shopping early; we’re shopping wais! 

Here are our top tips for catching the best deals and stretching your holiday budget, with a little help from Home Credit’s Todo Pasko Holiday Campaign and their 0% interest offers!

Avoid the holiday stress by organizing your shopping list in advance! Listing everyone you need gifts for—whether it’s your inaanaks, family, or friends—helps you avoid spending too much time in crowded malls and ensures no one gets forgotten.

After listing everyone you need to buy gifts for, the next step is to set a shopping budget. Not only this prevents overspending on impulse purchases but sets clear financial boundaries so you can save an extra for the new year. Here’s a wais tip: allocate a specific amount for a special someone on your list, so you’re less likely to overspend on just one gift.

The month of December is synonymous with the word “discount”. When shopping, always watch out for sales and deals that are usually common during the holiday season. Here’s another tip: Christmas is the season of love, and a little bargaining will not hurt. Not only will this help you score a better deal, but also establish a good relationship with the merchant especially if you’re a regular customer. 

With Home Credit’s Todo Pasko, you can rejoice on 0% interest offers on a wide range of products from smartphones with triple cameras to capture your holidays, kitchen appliances to master your Noche Buena cooking skills, and more. Partnering with top merchants in the Philippines, this deal is perfect for those wanting to stretch their holiday budgets and make the season feel merry without financial worry. 

From year-end parties to reunions and gatherings, it’s easy to get lost in the busy flow of the holidays. But with extra planning and scheduling, you can get your shopping done early and savor all the time you have in enjoying Christmas. At the end of the day, tis the season to be jolly so wave goodbye to the stress and flaunt your biggest smiles and laughs this Christmas day.