Keep Your Wallet Jolly, Not Empty
The holidays are magical, until your checking account starts looking like a ghost town. Between gifts, parties, and that “just one more” festive latte, it’s easy to overspend. But don’t worry, we’ve got your back with some clever ways to keep your finances merry and bright this holiday season.
Start a Budget (Yes, really!)
Think of a budget as your holiday shopping GPS. It keeps you from getting lost in the land of impulse buys. Grab a notebook or an app, jot down what you actually plan to spend, and stick to it like glitter. A budgeting checklist is a great way to help keep you on track.
Budgeting Checklist:
âś… List all holiday expenses (gifts, food, travel, decorations)
âś… Set a spending limit for each category
âś… Track purchases as you go
âś… Leave wiggle room for surprises (because they happen!)
âś… Review weekly to stay on track
The Savings Jar Trick
Round up your purchases and stash the change in a savings account. It’s like giving yourself a secret holiday bonus. Those little pennies add up faster than you can say “ugly sweater party.”
Wondering how to save without even trying? It’s easy! With an Everyday Spend or 815 Spend checking account, every debit card swipe gets rounded to the next dollar, and those extra cents march straight into your savings. It’s like turning spare change into holiday cheer!
To enroll in Savings Jar, log into your digital banking and get started now.
Card Alerts: Your Financial Elf
Set alerts on your credit card so you know when you’re getting close to your limit. It’s like having a tiny elf whisper, “Whoa there, Santa, maybe skip the diamond-studded tree topper.”
Not only is this important to help maintain your holiday budget spending, but it can also protect your credit. Maxing out your card or missing payments are big factors in your credit score and overall credit health. Translation: overspending now could haunt you long after the holidays. Alerts keep you in check, so your finances stay as bright as your holiday lights.
Cash in Those Rock Rewards
Been hoarding Rock Rewards points all year? Now’s the time to cash in! Gift cards, discounts, travel perks? Use them like the savvy holiday hero you are. It’s basically free money, and who doesn’t love that?
Not sure how many points you have? Watch this quick video to learn how to check your balance and redeem points.
For more tips to help keep your wallet happy this season, check out our free financial wellness resources and sleigh your holiday spending like a pro!