Smart Holiday Shopping Takes Planning and Control
You say it every year after the holidays: "Next year I'm going to spend less money." It's easy to get carried away. It can be just as easy to stay financially fit, even during the busiest shopping season of the year.
The Credit Union National Association, the trade association for credit unions, and the Consumer Federation of America, Washington, D.C., suggest these holiday spending tips:
1. Budget your spending and set goals: Start with a realistic idea of how much you can spend on holiday gifts, food, travel, and so on. Add it up and really give some thought to what you can afford. Think about where you might cut back and stick to your budget.
2. Make a list: Shop from a list to avoid impulse purchases that could leave you snowed under in debt at the end of the season.
3. Comparison shop: Take the time to find the best deal. Fight the urge to get your shopping over with as quickly as possible, and, for the procrastinator: Don't wait until the last minute!
4. Trim your interest payments: If you must pay with a credit card instead of using cash, use a card with a low-interest rate. Now is a good time to look for a lower-rate card--start at your credit union.
5. Open a holiday club account: Put some money in the account each month based on how much you spent this year; arrange to have that amount automatically deducted from your paycheck. This way, next year you'll have all the money you need. Plus, you'll earn interest rather than making big interest payments to finance next year's holiday shopping.
The TruStage Health Insurance Program: Simplify your search for affordable health care.
The Affordable Care Act means nearly every American must have health insurance. If your employer doesn’t offer a plan, if you don’t qualify for Medicaid and if you’re not yet eligible for Medicare, you’ll likely need to purchase a health insurance plan on your own.
The TruStage Health Insurance Program can help. You can easily compare health insurance plans from multiple carriers, get quotes, receive expert advice and purchase coverage that makes sense for you and your family.
From determining which doctors are available, calculating financial assistance, and arriving at the price of your plan, the TruStage Health Insurance Program with GoHealth is ready to help members.
For more information, visit www.TruStageHealth.com.© TruStage, 2014. All rights reserved.
© TruStage, 2014. All rights reserved.
The TruStage™ Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth LLC. GoHealth LLC is licensed to sell nationwide and operates in all states with the exception of Massachusetts, Hawaii, Vermont and Rhode Island. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
Brokaw Credit Union has been providing loans, savings accounts and checking accounts in the Wausau area since 1952.
What makes a credit union different from a bank?
The difference can be seen in four key ways: how credit unions are governed, how they define their purpose, the benefits they offer their members and the values they bring to their communities. Become a member of Brokaw Credit Union today.
Brokaw Credit Union is conveniently located in the Wausau area. Our north branch is located just north of Wausau in the town of Brokaw and our south branch is located in Weston.
300 Everest Ave
2006 Schofield Ave