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Suze Orman speaks at the 2024 Forbes & Mika Brzezinski’s 50 Over 50 Celebration with Know Your Value at the Rainbow Room on Friday, October 25, 2024 in New York City.

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Are you going to give yourself thebest possible holiday giftthis year?

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Stop it, right now, she continued.

it’s crucial that you put yourself in the equation.

With this in mind, Orman shared three things youshould not do when buying gifts this holiday season.

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The average interest rate on credit cards right now is more than 22%, Orman wrote.

That is painful just to write.

It is insanely difficult on top of expensive to owe that much on an unpaid credit card balance.

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While using BNPL may be more popular than ever, Orman cautioned against utilizing these services.

I get the allure of these BNPL offers, but I think they can be dangerous traps.

One risk is that you buy more because you owe less today, she continued.

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Dont but Suze me, she wrote.

Instead of spending money on gifts,get creative.

Consider regifting something you already have at home or providing a skill or service to those you care about.

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