Holiday prep: 5 ways to shop safely and efficiently

Christmas shopping online

Cookies, decorations and family gatherings are just a few of the many things to look forward to during the holiday season. However, the holidays can be a huge expense and stressor for many people. There are ways you can have a holly jolly holiday without busting your budget.

Make a Pre-Set List

Holidays are the season of giving, and soon you find yourself ordering monogrammed coffee mugs for just about everyone you know. When shopping, have a set list of the people you’re buying gifts for and an idea of what you’ll be buying for that person. This way, you’ll know exactly who you’re shopping for and which items to purchase.

Know a Good Deal

Brightly colored sales signs can suck you in before you even have a minute to decide if it’s a good sale or not. Don’t buy a discounted item if you, or the person you’re shopping for, doesn’t need it. It’s important to remember that you don’t have to spend all of your holiday allowance only on Black Friday. Stretch your spending by participating in other holiday promotions.

Keep Your Cards Close

When it comes to online shopping, or even shopping in person, be cautious of the sites and places you’re spending your money. Are these websites legitimate? Is your card information safe with these websites or stores? The last thing you need is someone using your information to indulge themselves.

Mobile Payments

Some stores can be elbow-to-elbow while shopping, and having your hands free is a luxury when you have heavy shopping bags leaving purple rings on your arms. Load your credit cards onto your mobile device and utilize Apple Pay®, Samsung Pay® or Google Pay™. This way, you can leave your wallet or purse at home and free up some room while reducing the risk of having your physical cards stolen.

Club Accounts

If you didn’t have a Christmas Club account this year, it’s a good idea to set one up for next year. Landmark Credit Union Christmas Club accounts can be a fantastic way to budget for the holidays. All you have to do is stop in at a branch, set up the account and contribute to it. By using direct deposit or payroll deduction, your holiday fund will grow even faster as you’ll be contributing to it regularly! On October 1, 2019 your Christmas Club account will be deposited to the account of your choosing. Remember to use your Landmark Rewards Visa® Credit Card for your holiday shopping so you can earn rewards on your purchases! Our Rewards Visa card allows you to earn points on purchases. Rewards points can be redeemed for gift cards, travel and merchandise.

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