Bills, carpools, networking events—obligations are a year-round thing. 
But combine them with the holidays and suddenly you’re white-knuckling it all winter long. 

Forced fun at the office holiday party.
(And the expensive ugly sweater to match.)

Decking out your house to keep up with the Joneses. 
(And avoid being the talk of the cul de sac.)

The 5-hour drive to see your in-laws.
(Just because your husband insists.) 

It seems that every time a bell rings, a new holiday obligation pops up, whether you were expecting it or not. And when you're caught between the things you don't want to do and the knowledge that you have to do them anyway... well, that’s when it’s time to call in the reinforcements. 

So upgrade to first class. Get the ugliest ugly sweater you can find. Go for the 9-foot inflatable Rudolph. When you’ve got Affirm, you can gift, travel, and pay on your terms this year. 

And that means you can crush every last “hobligation” on your list—without finding yourself weeping in the mall parking lot again.

Role: Campaign concept & copy