There are plenty of ways to stretch your holiday budget and avoid dipping into your savings. Here are a few suggestions to consider when you are tempted to overspend for the perfect holiday experience:
Go the homemade route. Your friends and family would agree that the best gifts come straight from the heart. You could create your own ornaments, assemble gift baskets, or bake delicious cookies. Click here for a list of more DIY Christmas gift ideas!
Purchase discounted gift and eGift cards through Benefits Plus®. Your Benefits Plus® checking account with SeaComm provides you with a variety of savings options, including discounted gift and eGift cards – which make excellent Christmas gifts! Stop by your local SeaComm branch to upgrade your basic checking account, today.
For complete information, terms, conditions and exclusions please visit www.benefits-plus.org or call 866-329-7587.
Host a “Secret Santa” gift exchange. Instead of buying gifts for all your family and friends, draw names out of a hat for Christmas presents! This will ensure that everyone receives a gift, and nobody will need to spend an unreasonable amount of money.
Focus on making memories. When children grow older, they aren’t going to remember everything you put under the tree, but they will remember the trips you took, and traditions and memories you’ve made!
Start a Christmas Club account for next year. This short-term savings account encourages nest-egg building for the holidays. You can set up automatic transfers directly from your checking, which will allow you to “set it and forget it,” without worrying about spending money sporadically on your own. Just like a Regular Savings, a SeaComm Club account will allow you to earn dividends, paid out to you on a monthly basis. Click here to learn more, or give us a call at (800) 764-0566.