Start with a realistic ‘holiday number’<\/p>\n
PayPal reports<\/a> that 60% of shoppers “feel more financial stress heading into this holiday season,” so Lapin recommends breaking down your budget into two parts, “before” and “after.”<\/p>\n “Before the holidays, try 50% for gifts and gatherings, 30% for travel and experiences and 20% for extras that always come up,” Lapin tells “Good Morning America.” “After the holidays, flip the focus to rebuilding: 50% to savings, 30% to paying off balances, and 20% to small treats that keep you motivated.”<\/p>\n Make your money moves predictable<\/p>\n Find peace of mind with PayPal’s Buy Now Pay Later<\/a>. There are two ways to pay: Pay in four interest-free, biweekly payments, or opt for a monthly payment plan. Buy Now Pay Later is available at millions of stores. Brands include The Home Depot, Lands’ End, Samsonite, Apple, Best Buy and more, so you can shop for both you and all of your loved ones.<\/p>\n “Options like Buy Now Pay Later take the guesswork out of budgeting,” Lapin says. “You know what’s coming, when it’s due and how it fits into your larger holiday spending plan.”<\/p>\n To make the most of your money this holiday season, shoppers who pay with PayPal Buy Now Pay Later options at check out can earn even more money by getting 20% cash back on their purchase.<\/p>\n Receive 20% cash back on PayPal BNPL purchases made from Nov. 17 though Dec. 8. From Dec. 9-31, earn 5%.<\/p>\n Shoppers who pay with PayPal Buy Now Pay Later options at check out can earn even more money by getting 20% cash back.<\/p>\n PayPal<\/p>\n Reimagine what cash back can do<\/p>\n You can use your cash back for rewards, but Lapin suggests putting it into a high-yield savings account<\/a>.<\/p>\n “If you’re checking items off your list and earning cash back, don’t just spend it — save it,” she says. “Turning rewards into real money-saving progress takes almost zero effort.”<\/p>\n Double (or triple!) dip on rewards<\/p>\n![](\"https:\/\/www.newsbeep.com\/ca\/wp-content\/uploads\/2025\/11\/PayPal_1763559893877_hpEmbed_1x1.jpg\"\/)
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