Only a few days away from holidays, you may feel that Black Friday advertising is inevitable. You may also start thinking about another less commercial part of the holiday – you are grateful this year. On the debit card, we thank anything that makes personal finances easy and stress-free.

Staying ahead of your personal finances should be simple and empowered, not stressful and mysterious. That's why we share five of our favorite personal financial advice, and the debit team is grateful for this year. Follow these tips and you might add something to the list of things you appreciate this year!

#1: Committed to personal financial goals

If you don't have the motivation to follow the advice of saving money, then all of these suggestions in the world are useless. With well-defined personal financial goals, you will work toward what you are excited about, not the vague concept of financial health. If you just want to save more money, don't leave it there - pick a vacation, a pair of new shoes, a concert ticket, etc. You will eventually cash in the money saved. If you want to save more money for your future, you can set specific savings goals for things like paying a down payment at home or even retire. Think about what you value most and how your financial situation can help you reach your goals.

#2: Develop a realistic budget – and stick to it

It's easy to make a budget, but do a budget that you can stick to? Not so much. Look at the values and goals you set in Step 1, honestly look at your spending over the past few months, and come up with numbers that can both be implemented and help you achieve your goals. Start with absolutely necessary costs, no matter what happens – housing, food (basic groceries only!) Then, increase your savings goals. Once you see how much is left, distribute your free income to interesting things (again, realistically, so you can stay within budget) and more savings. Learn more here.

#3: Pay first (saving money!)

Congratulations on your budget! One key to sticking to this is to pay for those essentials when the salary is up. Leave the rental and other basic fees and deposit the money you decide to deposit in the appropriate savings account. Don't let yourself start spending money to have fun before you save the money you need to achieve your goals.

#4: Make the most of your credit card rewards

Is there anything better than free currency? Not much - but if you don't use credit card rewards, you will lose. Find out which purchases can earn you a reward on each card and make strategic purchases! Pay attention to any bonus bonuses. Next, make sure you really spend those bonus points or cash in on your cash return bonus. Want to know more about how to redeem rewards? Let's take a look at these suggestions.

#5: Do not pay credit card interest or late payment fee

It's easier said than done, but keeping the highest level of credit card payment will save you money in several ways. First of all, you have to avoid late fees and interest. Since most credit cards have high interest rates, these costs add up quickly. Maintaining a good reputation also helps you save money by raising interest rates on loans, insurance, and even mobile phone returns. We recommend that you give Debitize's app a try and keep it at the highest level of your credit card payment - check out here.

Managing your finances is not necessarily complicated, and managing your personal finances successfully does not necessarily cost you all the time. With these tips, you don't need to spend hours searching for deals online. We hope that you can add these tips to the list of things you want to thank as soon as possible.