The holidays are meant to bring joy, connection, and celebration, not financial stress that lasts until spring. Yet many Americans fall into the same holiday spending traps every year without realizing how much they add up. From gift exchanges to travel costs, it’s easy for even the most disciplined budget to spiral. According to recent surveys, more than half of U.S. consumers will rely on buy now, pay later (BNPL) services for the holidays, which means their debt will extend well into the new year. So, before swiping your card on another festive expense, take a look at the traditions that might be silently sabotaging your savings.
