Page 4 - Holiday Traditions 2018

Simple ways to get your budget on

track this holiday season
TRADITIONS A ment rates at an all- store credit card promotions that A little

mericans will have lots
offer low interest rates or delayed
to celebrate this holiday
season, with unemploy-
financing on large purchases. Pay it
down over time without incurring
interest.
planning
time low and consumer confidence
on the rise. According to The
Online tools: Struggling to
can help
Annual Retail Sales Forecast for
budget alone? Explore online
you enjoy
the holiday
services like Nummo, which can
the Holiday Season from Deloitte,
season.
and keep track of your finances.
of more than $1.1 trillion.
HOLIDAY retailers have their sights on sales help you consolidate your accounts day before, with extended store delayed financing options.
We all get caught up in the spirit
Save with coupons and deals
of giving, yet the most wonderful
Save: There's always the old-
time of year is also one of the most
Getty Images/
stressful financially. But holiday
fashioned way of saving a little
iStockphoto
spending doesn't have to break the
money each month throughout the
bank - a little planning can let you
year, and then spending what
you've saved. Or save in advance
enjoy and be merry.
Here's a checklist to get started:
you open a card at checkout, you
Thanksgiving. Also, don't forget to
Credit cards: Redeem credit
Budget for big purchases for the more expensive items. hours, and might even be open on Store credit cards: Often when
receive a discount on your entire
shop local on Small Business
card points for gift cards you can
Credit cards: Divide up the use for your holiday shopping; Saturday - your favorites stores purchase. Store cards also offer
big-ticket items. Buy them across alternatively, offer up specific store may have the best bargains yet. coupons and deals throughout the
several off-season months and pay gift cards as a present. Online shopping days: Online holiday season if you use your store
your balance in full. Delayed offers: Retailers are retailers offer significant discounts credit card. That said, make sure
Free shipping: Some online tracking what you do online, and on days like Cyber Monday and not to keep a balance for long, as
retailers offer free shipping with often if you leave something in Small Business Saturday. store credit cards can have higher
2018 orders over a certain amount. In your shopping cart, the retailer will Buy now, pay later interest rates.
Holiday spending still causing
come back with a reminder fol-
late December, some retailers have
25, been known to offer free shipping lowed by a discounted offer. Credit card rates: If you are you stress? The experts at Nummo
days with guaranteed delivery by
In-store shopping days: Some
can help you manage, maintain and
going to apply for a new card,
NOVEMBER Delayed financing: Look for Friday promotions on the Wednes- balance transfer opportunities and the holidays and beyond.
check introductory offers for rates,
improve your financial health for
Christmas.
big-box retailers begin their Black
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4