Sleigh the Holidays
If the holidays always seem to sneak up on your budget, you’re not alone. From last-minute gifts to “just one more thing” purchases, seasonal spending can add up fast. But a little planning now can lead to big relief later. Let’s unwrap some ways to shop smart, save more, and stress less.
- Make a list (and check it twice)
Impulse buys can be a big holiday budget buster. Instead of winging it, take 10 minutes to plan out your holiday gift list. You should write down the following:
- Who you’re buying for
- What you plan to buy
- Estimated budget for each person
- Estimated total holiday spend amount
A list will help you feel more confident and in control every time you check something off. And, you’ll be able to keep track of what you planned vs. what you ended up buying year to year.
- Swipe smartly
Holiday deals are great until you pay for them with a high-interest credit card! Many big-box retailers and department stores push high-interest store cards at checkout as an additional way to save, but these upfront deals rarely equal to saving long term. What’s a better way to pay? Use a low-rate card like Credit Union of Ohio’s Visa Platinum Credit Card.
- Time your shopping wisely
Some of the best deals are found when you plan your purchases around sales events. Black Friday and Cyber Monday are well known, but you can also sign up for email alerts from your favorite retailers and search price comparison apps for specific products before making your final purchase. A little research can lead to big discounts!
- Get creative
Handmade gifts and experience-based presents (like cooking a special dinner) can show appreciation without draining your wallet. Consider a family Secret Santa exchange or a price limit to keep things fun and affordable.
- Think outside the box
If you’re planning for travel, a larger gift purchase, or simply want to consolidate holiday expenses into one low monthly payment, Credit Union of Ohio's Holiday Loan Special could be the stress-free solution you need. With rates as low as 9.95% APR and flexible terms up to 24 months, you can skip the dreaded post-holiday credit card bills.* Plus, you'll know exactly what you're paying each month!
Smart shopping isn’t about skipping the fun, it’s about sleighing your holiday game plan. From tracking spending to choosing the right tools (like a low-rate credit card or holiday loan), Credit Union of Ohio is here to help you spend with confidence this holiday season!
Call 800.443.5698, set up an appointment, or stop by your local branch to get help with your holiday spending plan.
*Rate as low as 9.95% current as of 11-06-2025 and subject to credit approval. 10.42% APR based on a $20,000 loan at the maximum term with a $95 processing fee. Holiday Loan Special financing up to 24 months. Existing CUO loans ineligible for Holiday Loan refinancing. This offer may end at any time.