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The holiday season is a time for joy, celebration, and giving. However, it can also be a time of financial stress, especially if you overspend or mismanage your budget.
The good news is that there are ways to spend wisely while having a wonderful time with our loved ones. Take note of these three tips for a worry-free holiday:
### 1. Plan Ahead
As Christmas gets closer, it’s normal to find yourself panic buying or falling trap to special offers. Creating a list and setting a budget will help you reduce stress and avoid impulse buying and unnecessary overspending. 
Try to make note of everyone you need to buy presents for and set a realistic budget for each person. Once you have an idea of what you’re going to buy for everyone, add up the costs to see if your budget is feasible. If it’s not, revise your list.
Try to make note of everyone you need to buy presents for and set a realistic budget for each person. Once you have an idea of what you’re going to buy for everyone, add up the costs to see if your budget is feasible. If it’s not, revise your list.
Shopping early will also help avoid the high price of the item and crowded shoppers. Last-minute shopping makes it hard to stick to a budget. Keep yourself from buying overpriced gifts because you’re crunched for time by shopping early. You’ll have more time to think about your decision and avoid expensive, expedited shipping for online purchases.
### 2. Advance Payment
By paying off your personal loans early, you're bringing an end to monthly payments, which means no more interest charges. Less interest equals more money saved.
You’ll have more peace of mind while celebrating the holiday season, without thinking about your loan.
It's best to avoid traffic and crowded places this season as most people will be outside celebrating the holiday. Check your payment channel's availability and make sure that you have your online or mobile banking activated. Check out Home Credit's list of preferred payment channels here: https://www.homecredit.ph/pay-loans
### 3. Avail of Promos
With 0% Interest Installments on Shoppingmall.ph, you can choose from payment terms of 9 to 24 months. This flexibility ensures that you can purchase any dream gift and pay later. If you choose the right payment terms, you can enjoy your holiday purchases without paying the full amount upfront.
Whether you’re shopping online or in person, we recommend that you check what discounts there are available before making any purchases:
• Check for vouchers or try to redeem loyalty card points to save money on your Christmas shop.
• If you’re shopping online, see if you can find any discount codes before completing your purchases.
• If you are paying a loan, avail of the promo which is mostly paying the loan in advance. You not only secure your upcoming payments, you also have a chance to win the promo.
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Speaking of promos, Home Credit has a special promo for you this holiday season- Pasko PANALO With Home Credit!
If you are a POS & Cash Loan Client, just pay your current monthly installment including penalties and charges plus one (1) monthly installment in advance to join. You can take home as much as P100,000 in cash!
Ready to join our Pasko PANALO with Home Credit Raffle Promo? Visit https://www.homecredit.ph/promos/Pasko-Panalo-with-Home-Credit to learn more.

Enjoying our time with our loved ones is the true heart the holiday season. With a little creativity and planning, we can stay on budget while having a wonderful time with the people we love.
Have a blessed holiday season!