Trim Your Holiday Spending

Save that New Year’s resolution for something besides paying down holiday debt. With a bit of planning and saving, and a little help from the Internet, you can keep your holiday spending in check.

Plan ahead
Create a spending plan using an online budgeting tool or homemade spreadsheet. Make a list of recipients, and establish a budget for each individual. Include gifts for family, friends, and teachers, as well as travel expenses, holiday parties, and items such as wrapping paper, postage, and holiday decorations and clothing.

Suggest a gift exchange
Gift exchange games can be an interactive and creative way to entertain guests—and to shrink the number of presents each person must purchase.

Forgo extended warranties
Most financial experts recommend skipping extended warranties. Consumer Reports surveys confirm that shoppers rarely redeem them and, if they do, the average repair cost isn’t much more than the warranty cost.

Use coupon codes
Find thousands of coupon codes on the Internet, by searching sites like,,, and many more.

Free Shipping Day
Visit to find out which eStores are participating, and search coupon codes for additional savings.

Look for Black Friday and Cyber Monday online deals
Many Black Friday and Cyber Monday sales are available online for the same price as in stores. Also, Cyber Monday deals often start well in advance of that day, so shop ahead.

Purchase reduced price gift cards
Sites like or offer discounted gift cards for many major retailers.

Use daily deal sites
Deal sites or offer deeply discounted offers on things like restaurants, jewelry, spas, hotels, golf courses, gym memberships, home supplies, and much more. Purchase a gift item, or gift an activity such as kayaking or a weekend getaway.

Use mobile shopping apps
Find the lowest prices on holiday items with apps like Shopsavvy and RedLaser. Simply scan the bar code or type in a product name, and the app scans for the lowest prices online or at a nearby store. CouponSherpa is a mobile coupon app featuring hundreds of digital coupons.

Stop by Hopewell Federal Credit Union today! Our professionals can help you set up a savings account for future holiday needs.