The temperature is dropping, the leaves are falling, and the houses are lit with the glow of warm, twinkly lights. The holiday season is here, and with it comes promise of neatly packaged presents. If you haven’t yet started to make a list and check it twice, consider so for the sake of your budget. Discover how you can shop smart this holiday season with these tips from Your Credit Union.
Start Shopping Now
Don’t wait until the last minute to start purchasing gifts. Not only is the method of shopping incredibly stressful, but it’s an easy way to overspend. Holiday consumers who procrastinate often spend more than their early-bird counterparts, as retailers continue to increase pricing as stock diminishes.
Make a List
Make a list of friends, relatives, and coworkers that you plan on purchasing gifts for. A thorough list helps to minimize the stress that comes with last-minute gifting. It also reduces the number of presents you have left over, which will ultimately save you money.
Stay at Home
You don’t have to fight the traffic at the downtown mall for the best holiday deals. Consider doing the majority of your shopping online to save time and money. Purchase online gifts in bulk and take advantage of free gift-wrapping services.
Check Your Spending
Holiday shopping is a marathon, not a sprint. Take the time to review your spending with online banking services and your mobile banking app. Frequently checking your account statements will ensure that you don’t overspend.
You don’t have to spend an arm and a leg to give a loved one a truly exceptional gift. Consider making something yourself, or brainstorm other creative ways to show someone you care. Scroll through Pinterest or other social media tools for holiday inspiration!
Use Your Credit Union VISA Platinum Card
From November 17 through December 31, 2017, you’ll earn Double the Points when you use your Credit Union VISA Platinum Card for retail purchases. There is no annual fee, and shoppers can earn points towards travel, merchandise, and gift card rewards! Some of the Platinum credit card extras include: Emergency Travel Assistance, Warranty Manager Service, and Travel Accident Insurance.