Don’t Let Your Finances Be Frightening!
Snag Scary-Good Holiday Deals
Want to hear a spooky statistic?
Nearly half of holiday shoppers who are looking to pick up gifts for their loved ones are going to begin their shopping before Halloween, according to a recent Bankrate survey.
If you’re one of the go-getters who want to save on gifts by shopping early, here are a couple helpful tips:
Stash some cash for shopping day
Creating a saving strategy ahead of the holidays can be key to avoiding maxing out your budget before you’ve conquered your gift list. Whether you plan to set aside a certain amount each month or open a holiday fund or savings account, the goal should be to make those savings automatic.
When you open a Rosey’s Holiday Club Savings Account, you can take the financial stress out of the holiday season by regularly saving for gifts and travel.
Make a List, Check It Twice…
Making a gift list BEFORE you get into your shopping groove can help you avoid hasty or unnecessary purchases. If you’re working off a list, you’re less likely to draw inspiration from stores or browse online retailers for longer than you need to.
And it’s not just about the cost … when you put thought into your gift list you may be more likely to get more thoughtful presents than you would with impulse buys.
For the person on your list who prefers a cash gift – you can safely and reliably send money to your friends and family using Zelle! It’s the quick and safe way to send money right through your FCCU mobile app. No need to download anything new!
Dodge Spooky Spending Habits
Unrealistic budgeting – craft your budget using figures that represent what you actually spend, not what you think you should spend in any of your budgetary categories.
Phantom subscriptions — Beware the ghostly grip of forgotten subscriptions! From streaming services you no longer watch to fitness apps haunting your phone, phantom charges can add up fast.
Ignoring the fine print – before you open a credit card or any kind of financial product, read the fine print to know what terms you’re agreeing to. Ignoring those details can lead to bone-chilling pitfalls like surprise fees and unexpected rate hikes.
If you’re looking for actionable ways to improve your financial health, we offer an expansive slate of financial resources through SmartMoney Online powered by Enrich.
Who We Are
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.
