The holiday season brings cheer, smiles, and nice memories, but it also brings shopping trips, long lines, and receipts. But don’t worry, you can handle this holiday season like a pro! If you’re dealing with a long to-do list, take a moment to ask
yourself a few questions that can save you time and money.
1. What am I shopping for?
Take a page out of Santa’s book and make a list, then check it twice. Plan your gifts in advance so you know what deals to keep an eye out for. Once you have a buying plan in place, you can make a budget that will save you time and money.
Navigate through the holiday season and consider a budget to evaluate how much you can spend.
2. How am I shopping?
Are you someone who keeps their receipts or ends up losing them? Keep track of your receipts to make sure you’re sticking to the budget you set for yourself. Also, think about whether you want to use cash or cards to pay for your presents. Cash
can help prevent overspending, but credit cards that offer benefits, like our Redwood Rewards program, can pay you back (at least in part) for shopping.
Make sure you understand the ins and outs of credit cards before you start shopping.
3. Where am I shopping?
Make sure to take safety precautions when shopping online and in store. Protect your belongings, avoid non-bank-affiliated ATMs, and keep your receipts. Take only what you need into the store in case things get lost or stolen. When shopping online, use
websites you trust. You should also check to make sure the network you’re using is secure—Don’t use public wi-fi for websites that require sensitive information.
Don’t leave yourself vulnerable, explore how to protect your identity.
4. Am I getting the most bang for my buck?
While you're buying gifts for your loved ones, earn rewards for you! Our free Redwood Rewards program lets you earn valuable points every time you use your
RCU Visa® credit card. Redeem your points for cash back, concert tickets, or maybe even tandem skydiving!
Learn more about Redwood Rewards and how you can earn more from giving this holiday season.
Set a budget, stick to your list, and get rewarded for your purchases. It’s easy to get stressed over your personal finances at this time of year. Redwood Credit Union is here to help! Check out our Financial Wellness Center for more information.
Rates as low as 8.99% APR, effective 12/1/19 and assumes excellent credit. All rates, terms, and special offers subject to change. Certain restrictions apply. For cash advances at a non-RCU location, the greater of 2% of the advance or $20 will be charged. Cash advance transactions and balance transfers are excluded from earning points.