Are You Preparing for the Holidays? | Cleveland Bradley County Teachers Federal Credit Union

Remember how quickly a new school year arrived? Well, the team at Cleveland Bradley County Teachers Federal Credit Union recommends that you go ahead and get started preparing for the holidays now.

Why? Because the holidays will be here before you know it. Don’t you want to be more financially prepared than you were last year?

Give a Gift That Doesn’t Leave You in Debt

Who doesn’t want to give their loved ones exactly what they want for the holidays? We all do. But it’s important to remember that we don’t need to go in debt to do so. We have some tips to help you celebrate without breaking the bank.

First, start saving now. Don’t wait until December arrives before you start trying to figure out where the money for holiday gifts will come from. If you put back $20, $40 or even $100 a paycheck beginning now, you’ll give yourself a nice nest egg that you can use when going shopping for gifts.

Second, make your holiday gift-giving list. On a piece of paper, write down who you are going to buy for and how much you are willing to spend per person. Then add up the total amount so that you know how much money you need to save. When it comes to holiday spending, make sure you stick to the budget!

Finally, don’t be afraid to think outside the box for gifts this year. Do you always buy something for people? How about making something for everyone instead? That way, you can save money over the holidays, while your loved ones receive a handmade, more personal holiday gift from you. It’s a win-win!

Do you have $5? Then you have enough to start a Christmas Club Account! With this account, you can deposit when you want and how much you want throughout the year.

Are you interested in opening a Christmas Club Account? Visit Cleveland Bradley County Teachers Federal Credit Union to learn how you can start saving for the holidays today!