Blog Details

News & Notes

4 Creative Ways to Stretch Your Holiday Budget

Sep 21, 2018

Sometimes we tell ourselves that Woman walking with shopping bagsbreaking our budget and using credit cards a little more freely during the holidays is okay because we’ll get back on track in the new year. But wouldn’t it be nice to enter the year with a clean slate and less financial burden? Here are four creative ways to get the most from your money this holiday season.

  1. Estimate your expenses. List your friends and family members and the amount you’d like to spend on each. Add that up and then add to it an estimate for wrapping paper and cards, food and beverages, plus travel. You may not get it exactly right, but the exercise will make you more mindful of the big picture.
  2. Shop early. That will give you a chance to compare prices, catch more sales, and make the smartest purchase. If you wait until the last minute, you may not find what you want and have to make a substitution that’s costlier.
  3. Track your spending. Keep a log of everything, including wrapping paper, holiday cards, etc. This will help you next year when you’re creating your spending plan.
  4. Shop after the holiday. If you have family or friends you won’t be seeing until after the holidays, consider shopping later. Most stores have great sales after Christmas.

When you’ve completed your shopping, if you find you’re carrying balances with other higher-interest vendors (department stores, big-box stores, etc.), transfer them to your RCU Visa ® card. You’ll pay a lower rate and there’s no balance-transfer fee. Apply today at

  • Blog

Join RCU Today

RCU Logo


Get started now

Join Now 

If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

Choose Account Type

RCU Logo


Choose the Type of Account You Wish to Open

Personal       Youth


If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Login Help

Need Help Logging in to RCU Online?

If you’ve forgotten your RCU Online banking Username, password, or other login information, follow the directions below to get help now.

Sign up today for RCU Online banking.

enroll now

Still need help?

Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.