Credit Union Blog

It’s never too early to start thinking about your New Year’s resolutions, especially after a busy month of holiday spending! For some, this might mean making goals to eat healthier, stop smoking, read more books, or lose some weight. For others — it’s all about saving money. 

Consumers can almost tell what time of year and month it is by the seasonal sales advertisements. We live in an age where there are literally “shopping holidays” such as Black Friday. We all know that one occurs the day after Thanksgiving, and the savings can be huge. Other industries also promote certain times to buy. Real estate tends to be hot during the summer months because families often want their children to start fresh at the beginning of the school year.

Following the revelry of the holiday season, many want to trim the fat from their waistlines, their spending and their debt (which can easily skyrocket during the holidays). As you enter the new year, consider the following tips to stick with a budget and rein in your spending to start paying off debt.

Oh, the holidays. The one time of year when even the most disciplined shoppers have trouble sticking to their budgets. But you don't have to begin the New Year in debt. Follow these simple shopping tips to stop holiday overspending, and prevent a financial hangover in 2019.

With the holidays upon us, it’s time to get out those lists and get shopping! Whether you’re a reward shopper or an avid online deal-hunter, there are tons of things to buy for the holiday season, including family presents, gifts for friends, decorations, treats, party outfits, and much more.  To help save you money every time you shop, it’s definitely worth it to take advantage of the numerous rewards programs out there. But if you’re new to this way of shopping, all the competing offers can be confusing.

Whether you consider yourself a spender or a penny-pincher, the holidays present many challenges when it comes to staying on a budget and meeting long-term financial goals.

Many people associate the holidays with extravagant gifts, but holiday overspending can lead to months or even years of undue debt burden. Not only that, maxing out all of your credit cards just postpones the crunch and makes it so you have no financial leeway if an emergency arises in the new year.

It’s about time to start doing your holiday shopping, but shopping on a budget can be really tough. You want to make everyone happy this Christmas, but what you don’t want to do is leave yourself with a mountain of holiday debt. Use these holiday shopping tips to learn how to save money as you shop for those you love.  

The holiday season is right around the corner and with it comes the revered gift giving atmosphere. Holidays are best when there is some love being shown to relatives, friends, partners and even colleagues. And what better way to do so than with gifts?

Holiday shopping can sometimes be a tricky adventure. However, with the right tips and guides on how to make your shopping experience fruitful, you will not only avoid holiday overspending, but also help you get great deals on almost all of the items you are shopping for.