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Smart Holiday Shopping Tips

November 4

Start a budget

Consider your necessary expenses and additional spending habits combined. Write them all down and take a look at where you can save in some areas. This is a great way to visually see where you are spending your money. You are better able to “move money around” when you have the ability to organize your expenses.

Consider consolidating your debt as well. You can take your existing credit card debt and roll it into one easy, low interest payment. The few dollars you save in interest could end up going a long way. Click here to learn more.


Write out your list of wants and needs for this holiday season. Be mindful of all of your bills. If you have hefty loan payments, consider your payment schedule. Many financial institutions take part in a “skip-a-payment” program. You can hold off on a payment due now, and pay it off at the end of your loan. Use that extra cash to make the most of the season. Find out more here.

Starting early helps too. Many stores have already geared up to prepare for the upcoming holiday shopping sprees. Buying gifts, decorations and other holiday fare gradually, can help ease the burden on your wallet as the time gets closer.

Earn Money While You Spend

There are great ways to reward yourself while shopping this season. If you have a VISA Rewards credit card with us, you are eligible to earn double points on qualifying purchases from now until the end of the year. While you’re buying for your loved ones, you’re getting a little extra for yourself as well! Click here to learn more.

Remember to Enjoy It

The holidays can be a great time to visit loved ones and celebrate the year’s successes. With a little planning and discipline, there is no reason spending should be what holds you back from a great time! Remember to consider all the options that make the most sense for you and your family.


John Holt
President and CEO