7 tips to celebrate the holidays without breaking the bank

  1. Make your holiday budget bright and early

Take all your purchases into account, not just those under the tree, but also gifts for the host, food and beverages, and extra gas. Set money aside now instead of having to borrow and pay it back later.


  1. Make a list of people you want to give a gift to

Don’t feel like you have to give gifts to everyone. Choose the people for whom you’re truly happy to do it. Talk openly with friends and relatives about your intention to reduce your spending. Some may be relieved and want to do the same!


  1. Start your holiday shopping early

The best deals aren’t just on Black Friday and Cyber Monday. Be on the lookout throughout the year. Knowing the regular price of items will help you spot good deals, like clearance and end-of-season sales.


  1. Give time and love

We say that time is money, but money doesn’t buy time. Swamped parents could really use a ready-to-eat meal or a day off while you watch the kids. Your busy friends might enjoy a night out or a craft project that strengthens your special bond. These acts of love and attention are always appreciated, regardless of the money spent.


  1. Enjoy your rewards

Take advantage of cash or BONNIDOLLARD rebates when you use your Desjardins credit card. Use them to pay for part of your purchases or accumulate them for next year.


  1. Review your credit card statement and pay in full

Review your monthly statement to ensure that all transactions are legitimate. Zero Liability protects you 100% if your card is used fraudulently, but you must notify us promptly.

Be sure to pay your credit card balance in full by the due date. If you only make a partial payment, you will not benefit from the grace period and interest will be calculated from the date you made your purchases. These credit charges could equal the price of a gift!


  1. Plan and save for next year

Start practicing these good habits in the New Year by setting your budget for next Christmas. Use automatic savings to save small amounts on a regular basis (e.g. every paycheck or every month) in a given account. Your savings will grow without you even thinking about it!

Plan how much you want to save now!


Source : Blogue Desjardins