Cash Management
Cash Management (Soft Token Required) ACH Originators and Merchant Capture Deposits
Cash Management (Soft Token Required) ACH Originators and Merchant Capture Deposits
Cash Management (Soft Token Required) ACH Originators and Merchant Capture Deposits
December 7, 2021
Shop with your list in mind; it is easy to overspend without a plan. Don’t let holiday marketing fool you; you can budget for gifts just like you do for monthly expenses. Focusing on quality, thoughtful gifts may be a better gesture to your friends and family rather than a larger quantity of gifts. Try gifting an experience or trip instead of a physical gift; memories last forever and will mean more to your loved ones than a generic gift. Remember that buying something just because it is on sale will not save you money if you don’t need it!
Avoid the holiday crowds by shopping during the week and not on weekends. One day to look for sales is Super Saturday, the Saturday before Christmas, when retailers offer last-minute deals. During the time between Christmas and New Year’s Eve, retailers will run an after-Christmas sale if you are still looking for more deals.
Know your spending limits before you shop this season and plan your gift choices accordingly. You should set aside a budgeted amount or just avoid charging more than you can pay off your credit card. Find better deals by using a price comparison tool while you shop. The Amazon Price Checker App and Shopkick can help you save.
Want to access deals that may not be advertised? Look into offers on refurbished or open box items. If you don’t mind minor wear and tear on items this may be the most economical option; find these items on the warehouse section of websites, or on Amazon Renewed. To reduce delivery costs for your online purchases, check out curbside delivery which is available in some stores such as Walmart and IKEA.
Visit your local Citizens First Bank for advice on budgeting for your future purchases today. The experienced team at Citizens First Bank can help you find the best strategy to save.
