Happy Holidays from the Securities Division

The holidays can be a busy, expensive time of year – which makes it especially difficult to stick to your budget and avoid overspending – and the past 11 months of good financial habits should not be lost in a haze of hot cocoa and gifting.

Thankfully with a few solid financial education tips, you can build a holiday spending plan that works for you, while setting yourself up for a happy new year.

Visit the Financial Empowerment Resource Library, brought to you by our friends at the Tennessee Financial Literacy Commission, to review courses on a variety of financial tips and tricks essential for the holiday season, such as: 

• How to use your credit cards responsibly this holiday season 
• How to protect yourself from identity theft while shopping 
• Creating a budget to guide your spending and sticking to it!
• Understanding overdraft fees and how to avoid them

We hope these tips will help you to manage your finances during the holidays and start 2022 off on solid financial footing.

Happy holidays from all of us at the Tennessee Securities Division. We wish you a balanced budget, a strong investment portfolio, and a happy (and financially healthy) new year!

Rachel Carden serves as the Director of Investor Education for the Securities Division of the Tennessee Department of Commerce and Insurance.