Chelsie is the Director of Wealth Management Solutions at COUNTRY Financial. She is a business leader with a track record of optimizing profitability through diversified investment operations. Whether championing technology transformations, enhancing financial advising capabilities, or balancing portfolio risks and returns, Chelsie drives continuous improvements aligned with client, business, and industry needs and best practices.
How you pay for your holiday purchases may be just as important as how much your spend.
Credit cards should only be used if you can pay them in full each month. Utilize them as if the cash is coming directly out of your checking account. So, if you see yourself spend beyond your budget, you may need to switch to utilizing cash or a debit card.