HOLIDAY SAVINGS PLAN
The holidays are upon us! Have you put together a savings plan? With all of the expenses hitting you at once, it’s important to have a plan of action. With the following tips and tricks, you can keep your holiday shopping merry and bright.
Make a List
Create a comprehensive list of every expense you will have over the holidays. This can include presents, envelopes, stamps, cards, wrapping paper, bows, name tags, food, a tree, decorations and so forth. Once you create that list, see if there are any items you can remove or substitute with cheaper options. Many dollar stores offer different types of wrapping paper for a quarter of the cost you may pay at a department store. Start saving and keep your money safe by opening a savings account with Axiom Bank!
Set a Budget
It is okay to be a Grinch during the holidays when it comes to your budget. Saying no will help you keep your funds on track instead of having a dry bank account in January. Be realistic when creating your budget – don’t leave any of the little expenses out, or your whole budget will be thrown off. Do your research to find holiday deals and free shipping. Use AxiomGO’s built-in budgeting tool, My $ Manager, to keep track of your spending!
Utilize Free Shipping
Free shipping is your best friend over the holidays. Some companies take part in Free Shipping Day in the middle of December, so it could be worth your while. You can also sign up for a free trial on Amazon Prime that offers quicker delivery and free shipping.
Many store apps offer discounts you may not be able to find online. Look at your favorite stores and download their apps onto your phone. Be sure to sign up for emails during the holidays as well. This will tell you if a new 24-hour deal is taking place – then unsubscribe once the holidays are over.
Instead of paying for special paper, a printed family picture, ink, envelopes and so on, find a deal online to purchase postcards. You can get all the information you want, along with having the company ship it for you! Or create your card for FREE with a design site such as Canva.com.
Get creative with gifts by making them yourself. The Web holds unlimited amounts of ideas for homemade presents of any genre. Simply pull up Google and search! Make fun little gift baskets for a great bonding activity to do with your kids and provide a special present for a loved one.
Ramp up your plan by putting into action a few of these easy ideas. These tips will help you slow down and enjoy the holidays for what they’re meant to be – a special time with friends and family. Avoid holiday hassle by banking with us, as we offer the flexibility and tools you need to stay on top of your finances – during the holidays and the rest of the year! Shop safely this season — review our identity theft tips!