Black Friday deals tempt even the savviest spenders. Overspending now can trigger lawsuits by next year’s tax season.
Set a realistic budget and pay with cash or debit to avoid high‑interest credit card balances. Consider zero‑interest promotional cards only if you can repay within the introductory period.
Track purchases in real time. Apps like Mint or YNAB send alerts when you near limits, promoting mindful shopping.
If you do carry balances, prioritize payments with highest APRs first (“avalanche method”) or small balances first (“snowball method”) to build momentum.
Beware buy‑now‑pay‑later services. Missed payments may still wind up with collectors subject to the three‑year limitations period.
Early intervention matters. Georgiou Law offers pre‑holiday debt reviews to spot vulnerabilities and craft defense plans before creditors pounce.
Legal Disclaimer: General information only.
⏰ Give yourself the gift of financial peace. Call Georgiou Law at (917) 764‑3072 before the shopping season starts.
