THINK SMART THIS HOLIDAY SEASON! Helpful Money-Saving Tips for the Holidays.

If you are looking to keep a little more jingle in your wallet this holiday season, here are a few tips to put into practice.

Look for the BEST DEALS: Take time to shop around for the best deals. If you are a Black Friday shopper, do your homework and have a game plan so you know what stores to shop for the items you need. Check out store ads to see what kind of deals are out there.  This is also a great way to save on groceries for all those holiday meals you need to prepare.

Make a List Check it Twice:  Make a list of all the people you need to shop for. You can even write down the gift ideas for each person. This will keep you focused. Then stick to the list and avoid putting any extras in your shopping cart.  When you purchase a gift for someone, write it on the list next to their name. Check your list often this will keep you from overbuying for anyone on your list. This works well for all you Moms and Dads who are shopping for multiple gifts for multiple children.

Cut Back on Everything:  The majority of people are guilty of overspending during the holiday season.  When shopping, consider the things you are putting into your shopping cart or grocery cart and ask yourself, Do I Really Need This?  If the answer is NO or MAYBE, chances are you will be just fine without it.  Also, pay attention to how often you are running your Christmas Lights. Do you really need to keep them on all day long? Be diligent to only turn them on when its dark outside after all, thats when we can actually see them. A couple extra bucks saved on electricity can be spent on your holiday groceries.

Open a Christmas Club Account:  Let First Trust Help You Save! First Trust ofers our Christmas Club Account to all our members all year long.  You can deposit as much as you want, whenever you want. Payroll deduction and online banking can be utilized to manage your account.  Then, in October, your funds are released into your checking account for the holiday shopping to begin.  For assistance, call us at 800-276-6161 or stop by your local First Trust branch today!


Have a Safe and Financially Smart Holiday Season!