The holidays are just a “holly-jolly” thought away, and now is the best time to get financially prepared and avoid the stress of holiday overspending. After all, the best way to avoid debt is with sound financial planning!

Develop a budget for your holiday shopping now and, by all means, shop ahead! 

Make a list of folks you plan to buy gifts for, what you plan to spend, and what you might get for them. Then, keep an eye open for sales on those items.

While Black Friday is traditionally thought to be the best time to get the best deals on items, many retailers are offering sales on items throughout November, with some items being offered at the best prices well in advance of the biggest shopping day of the year.

Planning your gift-giving in advance will help ensure you get the best prices and spend less this holiday season. For more help preventing holiday overspending, check out these tips from LegalZoom.

Consolidate Existing Credit Card Debt

Set yourself up for success before the holiday season begins by consolidating existing credit card debt. With Vacationland’s Visa Balance Transfer offer, you’ll get 1.99% APR on the total amount transferred for the first 18 months (10.90%-18.00% after the promotional period ends).

There are no balance transfer fees and no cash advance fees, either. ScoreCard Rewards Points make it an even better offer for you! Earn extra points based on the amount of the balance you transfer. You can cash in your ScoreCard Rewards Points for Christmas gifts, travel, gift cards, and statement cash.

Give Back and Help Others

The holiday season isn’t about what we get; it’s about what we give.

VLFCU is proudly continuing its partnership with BAS Broadcasting for the Coats For Caring program. Gently used warm apparel including coats, hats, gloves, scarves, sweaters, snow pants, and boots can be dropped off at any of our five branch locations until November 2.

We’re also planning our Annual Toy Drive to benefit children in Erie and Huron Counties. Check out our recent newsletter for more information about our community programs during the holiday season.

Whatever your plans are, VLFCU can help make your holidays stress-free with card services, savings accounts, or loans. Give us a call at 419-625-9025 or 800-691-9299.