The holidays are just around the corner! And while they bring plenty of joy, they can also sneak up on your budget like a ghost in the night. The good news? With a few smart saving tricks, you won’t have to fear your wallet this season. Here are some frightfully fun ways to keep holiday spending under control:
Beware the Creep
“Holiday creep” happens when little purchases add up—like decorations, stocking stuffers, or extra treats. Track these small expenses before they haunt your credit card bill.
“Holiday creep” happens when little purchases add up—like decorations, stocking stuffers, or extra treats. Track these small expenses before they haunt your credit card bill.
Stash Your Cash
Set aside a little each week in a separate savings account. Even $20 per week in October can give you an extra $200 by Christmas. At Palmetto First, our savings options make it easy to keep that cash safe until you need it.
Set aside a little each week in a separate savings account. Even $20 per week in October can give you an extra $200 by Christmas. At Palmetto First, our savings options make it easy to keep that cash safe until you need it.
Trick Yourself into Treating Others
Use cashback rewards, credit union discounts, or loyalty points to cover gifts. It feels like magic when you don’t have to dip into your main budget!
Use cashback rewards, credit union discounts, or loyalty points to cover gifts. It feels like magic when you don’t have to dip into your main budget!
Shop Smart, Not Scary
Start early to avoid last-minute spending frenzies. Compare prices, look for sales, and don’t be afraid to DIY—sometimes the most meaningful gifts are handmade.
Start early to avoid last-minute spending frenzies. Compare prices, look for sales, and don’t be afraid to DIY—sometimes the most meaningful gifts are handmade.
By planning ahead and following these simple tips, you’ll be able to enjoy the season without dreading the “monster” of holiday debt. Let Palmetto First Credit Union be your partner in making this holiday both merry and bright!
