Spend Smart, Save Big!
As Black Friday kicks off the holiday shopping season, don’t let the excitement empty your wallet. It’s tempting to go all out on gifts and deals but with a little planning, you can make the most of the season without stretching your budget.
Here are some tips from BDCU to help you shop wisely:
1. Set a Budget and Stick to It: Calculate how much you can afford to spend and don’t go beyond that limit. It’s easy to overspend when everything seems like a great deal, but sticking to your budget means fewer regrets later.
2. Make a List and Prioritise: Identify what you truly need versus what you want. By focusing on essentials first, you can avoid impulse buys that can quickly add up.
3. Compare Before You Buy: Not every Black Friday deal is as good as it seems. Take a few minutes to compare prices online to ensure you’re getting the best value for your money.
4. Consider the True Cost: Using credit? Make sure you’ll be able to repay it easily. High interest can turn a bargain into a burden. When possible, try to use cash or a debit card to stay on track.
5. Set a Total Holiday Budget: Determine how much you can afford to spend for both Black Friday and Christmas, covering gifts, decorations and any other seasonal expenses. Having a set budget helps you stay in control.
6. Remember the Spirit of the Season: Meaningful gifts don’t have to be expensive. Consider homemade gifts, experiences or spending quality time together – these often bring more joy than anything money can buy!
Christmas Loan
With Christmas just around the corner, we know it’s a busy time! To help ease the pressure of holiday expenses, BDCU is offering a special Christmas Loan ranging from £200 to £1,000, with interest rates starting at 26.8% APR. Don’t miss out – the deadline to submit your application is December 31st!
FoodSavers.
This holiday season, make Christmas meals more affordable with FoodSavers! Sign up today and get 15 essential items for your festive pantry for only £6.
Find a FoodSavers (TM) Outlet: FoodSavers Network – Bradford Foodbanks
With Black Friday and holiday costs piling up, FoodSavers is here to help you celebrate without breaking the bank!
Happy shopping! And remember, a thoughtful plan makes your purchases feel just as good after Black Friday as they did on the day!