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Last-Minute Holiday Hacks
The holidays are nipping at your heels and there’s still a lot to do! It probably seems like your stress levels keep rising while the money in your wallet keeps dwindling. It doesn’t have to be this way. With a bit of planning, you can enjoy a stress-free and affordable holiday season. Not buying what we’re selling? Well, continue reading to find out how:
Get prepared with a WECU Christmas Club Account.
It’s never too late to start saving for the holidays! With a White Eagle Christmas Club Account you can save all year long. Open your account today! Christmas Club
Clear the clutter for cash.
Before the holidays, browse your closets for clothing in good condition you no longer wear. Sell these on resale sites like eBay and Craigslist. You’ll make room for any incoming gifts and give your holiday budget a little wiggle room at the same time.
Shop small businesses.
Avoid crowds and enjoy a wider selection of gift items by shopping small businesses this holiday season. Independently owned stores are more likely to be fully stocked, even late in the season. As a bonus, you’re more likely to land unique gifts, and you’ll be helping local businesses stay afloat during these trying economic times.
Suggest a Secret Santa exchange.
If the gift-shopping is getting to be a bit much, consider cutting back by suggesting a Secret Santa gift exchange. You’ll only need to buy one gift instead of one for everyone in an entire group, and the surprise factor makes it super-fun.
Delegate
If you’ll be hosting events this holiday season, delegate jobs to your guests. Everyone will appreciate the opportunity to pitch in, and it’ll be more helpful for you if you can assign specific jobs to each guest, instead of having three different people show up with apple pies.
Shop during non-peak hours
Peak business hours, which start in the early afternoon and run until evening, will have the biggest crowds and emptiest shelves. If you can get to the store early in the day, you’ll enjoy a full selection that you can peacefully browse before crowds show up. Stress-free shopping also means you’re more likely to make responsible spending decisions. Win-win!
Use the tips outlined here for a stress-free and budget-friendly pre-holiday season.
Your Turn: Do you have a fabulous last-minute holiday hack to share? Tell us about it in the comments.
Source: CUContent.com
Learn More:
5 Ways to Pay a Large Medical Bill
5 W
ays to Pay a Large Medical Bill
ays to Pay a Large Medical BillHere are 5 ways to pay off a large medical bill.
- Negotiate for a lower bill. Ask your health care provider to lower or waive some fees. You can find the going rate of coverage on sites like myHealthcare Cost Estimator to give you a starting point for your negotiations. According to federal law, all expenses for COVID-19 testing, copayments, and deductibles, should be covered by your insurance provider.
- Set up a payment plan. Everything is more manageable when in bite-sized pieces. If possible, consider setting up a payment plan with your health care provider to allow you to make small monthly payments towards your bill until you’ve paid it off.
- Schedule automatic payments with WEPay. WEPay helps make managing your finances easier.
- Dip into your emergency fund. If your stash of emergency cash is robust enough to cover your medical bill, you may want to use this money to pay your bill immediately.
- Take out a personal consumer/signature loan. A WECU personal Signature Loan can provide you with the funds you need to cover your bill in just a few days. Our favorable terms and interest rates will give you a manageable monthly payment that won’t kill your budget.
- Take out a HELOC. For very large bills, consider tapping into your home’s equity through a Home Equity Line of Credit (HELOC). Low- interest rates mean you’ll have access to the funds you need with an affordable payback plan.
Give us a call today. We are here and ready to serve you.
White Eagle Credit Union making dreams come true for 85 years.
White Eagle Credit Union making dreams come true for 85 years.
Whether it’s a new home, car, growing family, graduations, home improvements, retirement and/or other life events White Eagle has been there; serving members in Butler County and surrounding communities since 1935.
White Eagle is here to meet all your financial needs too! We offer the latest in technology and products with the personal service you deserve. We invite you to check us out. Give us a call, check us out online at White EagleCU.com or stop in at one of our convenient locations in Augusta, El Dorado, or Newton. You will be glad you did. Our tagline says it all: Refreshingly Personal. Remarkably Advanced.
Save for the Holidays
Save for the Holidays with a White Eagle Christmas Club Account. This account is a great way to start putting money back now for your holiday expenses and put some jingle in your pockets. Learn more
