Ohioans looking to get budgets back on track ahead of holiday season.

With summer shopping, projects and vacations in the rearview mirror, Ohioans may be looking to get their budgets back on track ahead of the fast-approaching holiday season. For those who may have overspent, the Ohio Department of Commerce Division of Financial Institutions is offering tips to help consumers manage credit card debt before the season of giving and spending begins. According to a recent report on household debt and credit released last month by the Federal Reserve Bank of New York, credit card balances rose by $27 billion during the second quarter of 2025 and now total $1.21 trillion outstanding – an increase of nearly 5.9% from last year.