The holidays are full of joy — and expenses. From gifts to decorations, travel, and entertaining, costs can quickly add up. With a little planning, you can keep your spending in check and still make the season special. Here are three budgeting hacks to help your money go further this holiday season:

1. Set a Spending Limit and Track Your Progress

Start by deciding how much you can comfortably spend this holiday season. Break your total budget into categories like gifts, décor, food, and travel. Then track your spending as you go — a simple spreadsheet or budgeting app works wonders.

Pro Tip: Stick to your limits! Impulse buys are tempting during Black Friday and Cyber Monday, but staying within your budget now saves stress and debt later.

2. Take Advantage of Rewards and Cashback Accounts

If you have a rewards checking account or credit card, use it wisely during holiday shopping. Small perks like cashback, points, or rewards can add up quickly.

Pro Tip: Only spend what you can pay off in full each month — earning rewards is great, but interest charges can wipe out any savings.

3. Save Ahead with a Holiday Club Account

Start early to avoid scrambling for extra cash later. Our Holiday Club account lets you deposit any amount, as often as you want, and earn dividends on your balance. Withdrawals are available between November 1 – December 31 — perfect for holiday shopping.

Account Features:

• $5 minimum to open

• Earns dividends annually on balances of $100 or more

• Flexible deposits, withdrawals during the holiday season

Pro Tip: Even small weekly deposits add up and give you a ready fund for gifts, travel, or festive extras — no stress, no debt.