Affirm’s Budgeting Tips for the Holiday Shopping Season

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Amid inflation, managing your money has never been more important - especially during the holiday season. Affirm recently revealed that nearly half of Americans pointed to budgeting for all of the purchases they need to make this holiday season – for everything from gifts to travel to hosting – as one of their top sources of stress.

Katrina Holt – Financial Health Expert, Affirm recently conducted a nationwide media tour discussing the top budgeting tips ahead of the holiday season to help you manage your finances.

Top insights that Katrina Holt shared included:

● Tips on how shoppers can better manage their finances this holiday shopping season, especially amidst increased costs

o Affirm’s data shows that 60% of Americans typically exceed their holiday shopping budget, with about 50% going over by up to $500.

● How transparent, flexible payment options, like Affirm, can be a useful budgeting tool and help shoppers take control of their finances

● The gotchas and gimmicks that consumers should keep an eye out for when they shop, especially 0% APR credit card promotions that often come with deferred interest that results in a balloon payment later

● Why consumers should rethink swiping their credit cards this year to avoid excessive fees

Affirm offers eligible consumers the ability to pay over time, surfacing customized biweekly and monthly payment plans for each purchase. Unlike credit cards and other buy now, pay later options, Affirm evaluates every transaction individually before responsibly extending access to credit.

Through a free, soft credit check that doesn’t impact consumers’ credit scores, Affirm determines eligibility and helps protect borrowers from overextending themselves. Since the company’s founding over a decade ago, Affirm has never charged a penny in late or hidden fees.

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