The end of the year already brings enough stress. Unexpected expenses only make it worse. For many families, one surprise bill is one too many.

Holiday spending, higher utility bills, and year-end travel often stretch budgets thin. Then a sudden medical bill, car repair, or tax payment appears. When that happens, even careful planners can feel overwhelmed.

Many people rely on credit cards to handle these surprises. That choice can create bigger problems later. High interest rates make small balances grow fast. What feels like a short-term fix can turn into long-term debt.

The best defense is preparation. Build a small emergency fund, even if you start with a few dollars a week. Review your spending before the holidays begin. Cut back where possible and set clear limits.

If a surprise expense does happen, pause before borrowing. Compare options and look for low-cost solutions. A little planning today can prevent financial stress tomorrow.

One surprise may be unavoidable. Too many can be prevented.