Stress-Free Gift Giving

holiday-shoppingGear up for the holidays by determining a gift-giving budget and sticking to it. Studies show one of the biggest causes of stress during the holiday season is money worries. Here are a few tips according to to have a stress-free gift giving season.

  1. Be realistic about your holiday budget and stay within it.
  2. Don’t add to your debt. Paying for gifts months after they’re given is no fun.
  3. Get organized and make a plan. By making a list of the gifts you want to buy ahead of time you can watch for sales and coupons and buy over a period of time instead of cramming all your purchases into one month. Also, if you save a little bit each week, such as with a Christmas Club account, you’ll have a nice amount of cash saved up by November without wrecking your normal budget.

Check out our Home Budget Calculator to help you figure out how much money you have available each month for savings.

Stop in your local Citizens National Bank office and ask about opening a Christmas Club account for 2016!


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