As the holidays approach, it’s important to prepare how you will plan for the extra expenses.

Try these six tips to keep your holiday spending in check.

1. Set A Budget
Decide just how much you want to spend and stick with it.

2. Shop Early
Start shopping early to find the best deals and ensure the item you want is in stock. Ordering early may also prevent delays due to supply chain issues.

3. Track Your Spending
It’s easier to stick to your budget when you track what you’ve already spent.

4. Shop Used
Kids grow out of clothes and get bored with toys quickly. Check out a consignment sale or an online swap site for like-new gifts.

5. Use Points
Redeem reward points from your LMFCU Visa® Platinum Rewards Credit Card or other cards to purchase gift cards to give as gifts or to use toward the purchase of a gift.

6. Send An E-card or GiftPay
Instead of paying postage and purchasing a box of holiday greeting cards, consider sending an e-card instead. It’s also environmentally friendly.  LMFCU Bill Pay offers a GiftPay payment option.

11/3/21