4 Tips to Plan for Holiday Toy Shopping

Want the holiday season’s hottest toys? Or maybe you want a retro game. Whatever the goal, with some holiday toys already in stores, shoppers may want to start planning their strategy ASAP.

GET THE HOT TOYS EARLY: Try shopping online because in a few clicks you can search sites like Walmart, Target, Toys R Us and Amazon to find out quickly if the item is available. Also, it’s good to follow retailers on Twitter, where some post when they get in their next order of certain hot toys in the final weeks before Christmas.

KNOW WHEN THE SALES ARE: If you can afford to wait, stores offer toy discounts of up to 50 percent and also bundle toy deals during the Black Friday weekend. But the best time to get deals on basic toys is two weeks before Christmas, when toys are discounted up to 70 percent, according to DealNews.com. Take advantage of deal trackers. With CamelCamelCamel.com, shoppers can set up alerts when the price of an item falls to a certain level. It also offers a price history of all products sold on Amazon.

Overall, Amazon.com offers the lowest toy prices, with Walmart a close second, according to Lindsay Sakraida, director of content marketing for the DealNews site, which combed deals during last year’s holiday season. Target, Kohl’s and Toys R Us were ranked third to fifth.

TAKE ADVANTAGE OF LAYAWAY:  Walmart kicked off its layaway service in September and customers have until December 11 to pay off their account. As in past years, there’s no opening fee to start a layaway account but customers need to put down 10 percent or $10, whichever is greater. Shoppers can put items as low as $10 on layaway with a $50 minimum basket.

At Sears Holdings Corp.’s Kmart, members of the Shop Your Way loyalty program get special perks for the holiday season. They have a $1 down payment for in-store and online layaway contracts. For non-members, it’s a $10 down payment. For Sears, there’s no difference between members and non-members — they don’t have to put any money down for layaway in the store and can put just one penny down online at all times.

EMBRACE SERVICES: Walmart offers curb pickup for online shoppers at 1,000 stores — mostly for grocery items but also some seasonal general merchandise like toys. Walmart, Target and Sears also have pickup services inside the store for online shoppers. Many are trying to improve the speed of service.

Follow these tips and get a jump start (while saving money) this holiday season on toys!

Article Source: Anne D’Innocenzio for the Associated Press on USAtoday.com

13 Tips for Shopping Smarter During the Holiday Season

Whether it involves camping in a store parking lot for Black Friday deals or racing other parents for that last hot-ticket toy, just about everybody has their own nightmare holiday shopping story.

Let’s be honest, holiday shopping has the potential to be awful. You have to brave crowded malls, overpriced items, and the same Christmas carols playing on repeat. But your shopping experience doesn’t have to be that way.

Try these tips to shop smarter and have a much happier holiday experience this year!

1. Plan ahead.

It would be nice if we were able to shower our friends and family with unlimited expensive gifts, but the truth is that the majority of us have a limited amount of money. Before you even start your holiday shopping, make a gift list and set yourself a budget. That way you won’t fall prey to last minute splurge purchases.

2. Save gas (and time) by shopping online.

Avoid crowded shopping centers altogether by doing the bulk of your shopping online. Just make sure that you keep mailing costs in mind and order your gifts far enough ahead of time so that you don’t have to pay for expensive overnight shipping. During the holiday season, many websites feature free shipping – be sure to be on the lookout for the site’s free shipping codes and deals to save before you checkout online.

3. Focus on Cyber Monday, not Black Friday.

Sure, you may find some pretty crazy deals on Black Friday, but when you factor in the gas you use to drive to the store, the time you spend waiting in the cold out front before they open, and the time spent fighting the crowds and waiting in line to make your purchase, is it really worth it? This year, try shopping on the Monday immediately after Thanksgiving. This is the day when online retailers promote big sales, so you can save while shopping from the comfort of your own home.

4. Track price changes for expensive items.

If you’re shopping with a big online retailer like Amazon, you can set up a tracker through websites like CamelCamelCamel or The Tracktor. You can check out past prices of the items you’re shopping for in order to determine whether now is a good time to buy or if you should wait for the price to drop.

5. Use online coupons.

Avoid the hassle of clipping coupons and shoving them in your wallet until you can get to the right store, by using online coupons. Many sites give you an easy way to quickly search for and redeem deals for your gift items.

6. Avoid credit card debt.

This should go without saying, but one of the best ways to shop smart this season is to avoid charging more than you’ll be able to pay off. Don’t get talked into starting a credit card with a particular department store, either. It’s usually not worth it. Keep close track of the money you spend and know where your limits are.

*If you are going to use a credit card this holiday season – apply for one of First Financial’s great low rate options! Our Visa Platinum Card has one of the lowest APRs around and you’ll earn merchandise rewards on your purchases. Our Visa Signature Card lets you earn cash back on your purchases. Learn more and apply online 24/7.

7. Don’t be afraid to buy the same gift twice.

If you find a gift that you know several people on your list would enjoy, don’t be afraid to buy it in multiples. This cuts down on your shopping time, and if the store is offering any kind of “Buy 1, get the second 1 at a discount” deal, that’s even better!

8. Considering buying experiences, not just stuff.

Instead of buying material goods that your family members aren’t that excited about, consider buying a day or weekend trip that you can share together. It can make more sense to invest money in creating a family memory that will last forever than buying an item that will have a short life span.

9. Group your shopping trips.

If you have to go to brick and mortar stores to do some of your holiday shopping, figure out where all the stores you need to visit are and plan the route that will involve the least driving. Try to get all your shopping done in one fell swoop so that you don’t have to keep driving back out to the stores.

10. Save money by using your smartphone.

The Amazon Price Checker app, which is available for both iPhones and Android devices, lets you scan the barcodes of items in a store and compare to prices of the same item online. Shopkick is another great app that rewards you just for visiting stores by offering you special discounts. Make purchases at the store and you’ll get even more points to put toward a future reward.

11. Never shop on weekends.

Weekends are inevitably the busiest shopping days during the holiday season, so if you want to avoid the crowds, try shopping on weekday evenings.

12. Shop alone.

While shopping alone doesn’t sound as fun as bringing along a friend, it will save you time and potentially prevent you from being influenced to make big spur-of-the-moment purchases.

13. Know when to avoid the express line.

Each person has to do an individual transaction, so a regular checkout line is often better than a long express lane line.

The holidays should be a time to relax and hang out with friends and family, don’t let yourself get stressed out by last-minute shopping expeditions. Just take a deep breath, do some planning in advance, and shop smart this season.

*APR varies from 11.9% to 18% for the Visa Platinum Card and from 13.9% to 18% for the Visa Signature Card when you open your account based on your credit worthiness. These APRs are for purchases, balance transfers, and cash advances and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Cash advance fee of 1% of advance ($5 minimum and $25 maximum), Late Payment Fee of up to $25, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and Returned Payment Fee of up to $25. A First Financial membership is required to obtain a VISA Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.Visa Signature Card Cash Back: Your First Financial Visa® Signature Credit Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1% cash back based upon eligible purchases each quarter.

Article Source: Julianna Weiss-Roessler for Lifehack.org

5 Unique Ways to Save on Your Holiday Shopping

gifts isolated on white background

Whether we like it or not, the holiday season is here. That means one thing: spending money and potentially a lot of it. In a survey by the American Research Group, Americans plan on spending nearly $900 on their holiday shopping. Such an amount can put a significant stress on a budget, leaving families looking for ways to save money.

We all know about the traditional ways to save money on shopping, from Black Friday to Cyber Monday sales. Those discounts can provide nice savings, but they only scratch the surface. There are many other tools and tricks to help you stretch your holiday budget. Below are some unique ones to help you save this year.

The Four-Gift Rule

The four-gift rule has made its way around the Internet over the past few years. The idea behind it is relatively simple. Instead of overwhelming recipients with a lot of gifts and costing you more, you make your gift-giving more intentional. The rule dictates the following: You buy the person something they want, something they need, something to wear, and something to read.

The rule may not work for everyone, as it’s particularly angled toward a younger child or perhaps a spouse. With children, in particular, this approach can help avoid excessive gift giving and thus save you money in the long run. It’s practical and still also allows for fun and creativity.

Use Apps

Smartphone apps can be a great way to save money on holiday shopping. We all know about popular apps like Amazon that allow you to compare prices in real-time. There are many other apps out there that can help save you money on your holiday shopping needs.

Some of these newer apps are Flipp and Slice. “It rounds up all of the shopping ads and circulars in your local area and presents them to you in a format that’s very easy to flip through,” says Jill Cataldo, founder of the Super-Couponing.com. The Flipp app also allows you to collect local coupons so as to maximize your savings.

The Slice app allows you to set a price tracker, which tracks the amount you spent on an item. If the price drops, it notifies you so you can get the difference refunded from participating merchants.

Use Gift Cards

MarketWatch reports that $750 million in gift cards were unused in 2014. If you have an unused gift card lying around, that is free cash not being spent. There may be a number of reasons you didn’t use the card, from not liking the store to forgetting you had the card.

Regardless of the reason, an unused gift card can be a great way to reduce the overall amount you spend out of pocket for holiday gifts. Instead of letting that card continue to collect dust and lose value due to potential inactivity fees, use them to buy gifts. It may feel tacky, but it is a great way to save money.

Buy Discounted Gift Cards

Gift cards play a dual role for potential savings. Many who have unused gift cards sell them for cash. This has opened up a market for sites like Card Cash, Raise, Card Pool and others that sell discounted gift cards. Such sites allow individuals to buy gift cards for up to 35 percent off standard price.

Such a service can be a great way to save a little extra money if a gift card is on your shopping list. Just make sure to read the terms and conditions prior to purchase.

Break It Up

Another overlooked way to save money on holiday items is by purchasing an item in bulk. That may sound counterintuitive, but it works. “The set gives you a lower price per unit and you can toss them into a gift bag helping you save without skimping on the gift,” says money-saving expert Andrea Woroch.

Woroch explains that the item bought at a warehouse club can be broken up and repackaged into smaller gifts while still allowing you to take advantage of the lower per unit cost. If you are giving multiple people the same gift, then this can be a great way to save extra money instead of purchasing higher-priced individual gifts.

The holiday shopping season can be a stressful one financially. It doesn’t have to be. With a little planning and creativity, you can avoid being an “average” shopper and become one who saves money.

The perfect way to save for your holiday expenses is by opening a Holiday Club Account right here at First Financial! No need to put yourself into debt over holiday spending – simply save ahead and come out on top (and not in debt)!*

  • Open at any time
  • No minimum balance requirements
  • Dividends are posted annually on balances of $100 or more
  • Accounts automatically renew each year
  • Deposits can be made in person, via mail, payroll deductions, or direct deposit
  • Holiday Club funds are deposited into a First Financial Checking or Base Savings Account

*A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the Bronze Tier. Click here to view full Rewards First program details, and here to view the Tier Level Comparison Chart. Accounts for children age 13 and under are excluded from this program.

Article Source: John Schmoll for http://money.usnews.com/money/the-frugal-shopper/2015/11/09/5-unique-ways-to-save-on-your-holiday-shopping

Beware of Counterfeit Clothes and Scam Websites

womanshpgonlineDuring the holiday shopping season it’s important to know that there are scam artists out there who will try to take advantage of you. Be on your guard from a new influx of counterfeit clothes and scam websites. The internet has been a great asset to US clothing shoppers looking for good buys on the best brands. Unfortunately, it has also been a great asset to criminals dealing in counterfeit clothes they try to pass off as the real thing. While the illegal market in fake top brand clothing predates the World Wide Web, the Internet has opened up new avenues of opportunity for those dealing in counterfeit clothes.

The United States has seen a large rise in 2014 of scam websites that typically promise that popular and expensive items of clothing manufactured by the best known brands can be had at bargain prices. They often have fake web addresses that falsely give the impression that they are operating in the US, when in fact the website owners may be scammers operating out of other countries.

The quality of the clothes is often far below the standards set by the real manufacturers, with some websites operating with no actual inventory. Consumers order, their money is accepted, but they never receive anything at all.

The dealing in counterfeit clothes is not some small scale operation. The sums of money involved are huge, with some estimates putting the total take of larger scam websites at millions of dollars per year. The counterfeit clothes racket also ties into other criminal activities, such as banking fraud and identity theft. Once you give a criminal organization your credit card number, there are a wide array of illegal ways it can be used to rob you again.

Because the clothing scam websites are located overseas, it can be all but impossible to complain about poor quality, orders never received or seek relief in the United States legal system. Even reporting the scammers to the law enforcement agencies of the countries from which they operate will seldom bring any results. Sometimes action can be taken to deregister the scam sites so that others won’t get duped, but even this can be ineffective.

The market for counterfeit clothes is not confined to the United States. In Great Britain last year, hundreds of scam shopping websites were closed for selling fake designer clothing and jewelry. In Ireland, poorly made counterfeit clothing became so widespread that the European Consumer Centre made a special plea to consumers to be cautious when buying clothes online.

The center strongly advises “consumers to do comprehensive research on a trader when shopping on the Internet” a spokeswoman said. She continued to suggest that customer look for contact details, as any missing information is a red flag.

It’s also important to know what too look for with counterfeit products. Examine the product as closely as you can online, counterfeit designer goods often have logos that are fuzzy, misspelled, or otherwise off from the brand, something a high quality designer would never allow to ship. The stitching on counterfeit merchandise is often sloppy. If you can see the stitching without much effort, it is nearly guaranteed to be a fake.

Caution should always be used online, but becoming familiar with the genuine product and examining potential deals is one of the best ways to stay safe.

As counterfeit production becomes more elaborate, the proper tags do not necessarily mean a genuine product. As a result, many manufacturers of high quality clothing have taken extra steps to ensure their product stands out. Holographic logos and serial numbers are just a few methods that can ensure a legitimate purchase. Know the designer’s key marks and beware of products that lack them.

Be cautious of high fashion clothing being advertised at greatly reduced prices and only pay using a secure, refundable, method such as a credit card or a secure service such as PayPal.

Make sure you use online retailers that do provide genuine merchandise at a discount. In the end, you’re your own best advocate to prevent getting scammed. Use your common sense and know what you’re buying, and remember the old saying that “if it seems too good to be true, then it probably is.”

Protect yourself this holiday season and all year-round with First Financial’s ID Theft Protection! With our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. **Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Original article source courtesy of Lori Kelley of SavingAdvice.com.

8 Tips to Keep Your Holiday Shopping Focused on Saving the Most Money

1211-women-holiday-shopping-lgnWe all love and hate shopping during the holidays, and it’s important to shop both safely and affordably during the season. Here are some ways to stay focused to keep you and your budget in-check this holiday season!

The National Retail Foundation’s annual survey shows that holiday spending is at an all-time high.

  • Americans spent 3.8% more in 2013 than in 2012 (to the tune of $601.8 billion total).
  • November and December spending last year totaled 19.2% of annual sales nationwide.

This is our national spending forecast — what we can expect if we “go with the flow.” The good news is, unlike with our local weather forecast, we can change our personal holiday spending forecast if we resolve to do things differently this year!

While it may seem like an oxymoron to attempt to save on holiday spending, experts say it can be done. Here are tips that will help:

1. Coupon for holiday “varieties” of regular household items.

It’s always nice to have holiday-themed paper goods, towels, candles and other festive items on hand for guests and visiting relatives. The good news with these items is that, unlike strings of lights and mistletoe, if you have extras you still can use them all year long.

Here are some ideas:

  • Paper goods: Paper towels, napkins, party plates of various sizes, wrapping paper
  • Plastic goods: Festive flatware, plastic cups (go for one-size-fits-all to save), gift bags, ribbons and bows
  • Tea lights and candles: So long as you enjoy the scents, you can use these all year.

Note: If you dislike using holiday themed items after the holidays, then opt for holiday solid colors (red, green, blue, white, etc.) so if you have extras to use up, they won’t be so noticeable.

2. Consider hosting an in-home sales event to reduce the cost of gifts for everyone.

If you have a friend who is an independent sales rep for a popular line of jewelry, accessories, kitchenware, skincare or scrapbooking supplies, consider hosting a pre-holiday party in your home. You’ll save on gifts and so will your friends — and your sales rep friend will make their holiday quota!

As a party host or hostess, you can expect to receive:

  • Free hostess gifts
  • One-on-one time with the consultant for personalized gift recommendations
  • Deeper discounts on your purchases (Discounts typically escalate with higher totals on party purchases).

Your attendees can expect to receive:

  • Attendee free samples
  • Discounts on purchases

3. If you can’t find the item at the price you want, go ahead and wait it out.

You just never know what the holiday shopping mania will bring. If there’s an item you want but the price isn’t right, don’t buy it.

  • What to do: Wait…chances are the price will not go up before the holidays arrive in earnest, and it might decrease as merchants become more eager to move their holiday inventory.

4. Don’t fall for “door busters.”

A “door buster” is a marketer’s term for a low-priced item that is so enticing, it can bring customers to the store all by itself. But experts caution against assuming that just because an item is advertised at an “all-time low” for that store, do not assume that is the lowest price you can find!

  • What to do: Use your price comparison tools and coupons to “challenge” that price—see if you can find the item for lower somewhere else. Download the “ShopSavvy” app to scan an item and see other prices at surrounding stores!

5. Wait for holiday clearance sales to start.

Traditionally, many merchants begin their holiday clearance sales right before the holidays actually begin. Once the clearance sales start, prices on those items will continue to decline until the inventory is all gone, or the new sales cycle starts.

  • What to do: Research when your favorite merchants will begin their clearance sales (often you can find this by signing up for their email newsletters or following them on social media). Then plan your shopping accordingly.

6. Watch social media for “flash” coupons, deals and offers.

As we become increasingly social media-driven, merchants are using the power of free social media-based advertising to draw in customers.

  • What to do: For items you really want, be sure to follow those merchants on Facebook and Twitter (you can set up your social media accounts so they deliver alerts as they happen to make sure you don’t miss an offer). Also be sure to sign up for Amazon’s Lightning Deals.

7. When asking for price matching, don’t forget about online store offers.

During the holiday crush, many brick-and-mortar merchants rely on holiday sales to close out the year in the black. (Remember, 19.2% of all annual spending happens in November and December!). So not only will many retailers offer price matching guarantees, but often these apply to competitors’ prices both online and offline.

  • What to do: If you see a low price online offer, bring in the proof and ask the merchant to honor it.

8. Sign up for the holiday store credit card and promotional offers.

Nearly 20% of annual purchases are made during the holidays, so the holidays represent a merchant’s best chance to attract new customers and build long-term customer loyalty. So prepare for retailers to compete by offering mouth-watering incentives to sign up for their in-store promotional offers, including freebies with purchase, discounts when signing up for a new line of store credit and more.

  • What to do: Take the offers, discounts, deals and freebies! Pay for what you owe, then stash those cards away until the holidays arrive again (or even better, cut them up so you won’t be tempted).

Need some extra cash for the holidays?  Check out First Financial’s Holiday Loan Special here for the 2014 holiday season! Fixed rate of 10.9% APR – click here to learn more about this limited time offer and apply online today.*

The perfect way to save for your holiday expenses is by opening a Holiday Club Account right here at First Financial! No need to put yourself into debt over holiday spending – simply save ahead and come out on top (and not in debt)!**

  • Open at any time
  • No minimum balance requirements
  • Dividends are posted annually on balances of $100 or more
  • Accounts automatically renew each year
  • Deposits can be made in person, via mail, payroll deductions, or direct deposit
  • Holiday Club funds are deposited into a First Financial Checking or Base Savings Account

*APR = Annual Percentage Rate. Subject to credit approval. Actual rate may vary based on credit worthiness. Maximum 12 month term. A First Financial membership is required to obtain a holiday loan and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth of Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. Cannot be combined with any other offer. Promotional period 11/1/14 to 1/31/15. See credit union for details. **A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the Bronze Tier. Click here to view full Rewards First program details, and here to view the Tier Level Comparison Chart. Accounts for children age 13 and under are excluded from this program.

Click here to view the original article source courtesy of thekrazycouponlady.com.

4 Ways to Save on Your Holiday Shopping Now

Art Img 7 TipsIt is hard to believe, but the holiday shopping season is here. If you’re like most families, holiday shopping can be a strain on the budget. Many shoppers also fear looking cheap when passing out gifts, which can lead to over-spending and blowing the budget.

According to the American Research Group, Americans on average spent $801 on Christmas shopping in 2013. That kind of number will have a big impact on a budget. If you’re looking for ways to cut down the cost of holiday shopping and still get great gifts, these tips will help.

Start now:

The best way to save money on holiday shopping is to start early. There is a belief that the best deals are available around Black Friday, the day after Thanksgiving, and that is not always the case. Instead of waiting, be on the lookout for even bigger deals that might be hitting stores sooner. The ever expanding influence of online shopping has moved many retailers to begin pushing major holiday campaigns back as early as Halloween, if not earlier. The added benefit is being able to avoid the craziness that Black Friday shopping brings.

Check out the Dollar Stores:

It might not be too common, but shopping at discount or Dollar stores can be a great way to shave some spending off of your gift budget. You might not find your gifts there, but you can probably save on other holiday-related items, such as wrapping paper, gift bags and decorations.

While they might not have good options for a traditional gift, Dollar stores can be a great option for gag gifts, office Christmas parties and white elephant gift exchanges. Beyond that, Dollar stores are a useful alternative for party favors or decorations for parties you may be hosting. Since many of those items will likely be thrown away anyway, there is no point in spending more than you need to.

Shop at stores that match prices:

Price matching has become increasingly expected as many brick and mortar retailers deal with the presence of online shopping. While not every store offers price matching, it can be a great way to save money when added to your shopping strategy. The trick is to know the terms and conditions of the given retailer you’re shopping at. Some will match any retailer while others will not match online-only retailers.

If you have a smartphone, bring it with you when you go shopping. There are many apps available now, from Amazon to others, which allow you to scan the item to see what is charged for it elsewhere. Add that to your arsenal to save money while shopping. Lastly, make sure to check the retailer’s site itself to make sure it’s not offering a cheaper price online than in-store. If you find a discrepancy, you can always ask for a price match, or at least allow a free shipping option.

Watch the daily deal sites:

Like the Dollar store option, daily deal sites may not be commonly thought of as options for gift shopping but they can be a great way to save money. Many daily deal sites regularly sell significantly reduced deals for national retailers that can be great options for presents. They might also give you ideas for items that you can then go track down in local stores.

The problem with daily deal sites is they have a limited window in which you can get the deal. This can definitely pose a problem when shopping for that special someone. However, there are options available if you missed out on the deal you were looking for. CoupRecoup, for example, allows those who have bought deals they’re unable to use to sell them. This can be a great way to potentially score a deal on an item you were looking for.

The holiday shopping season can be a stressful one, especially on a tight budget. By using some simple tips like the ones mentioned above you should be able to shave some money off your holiday shopping budget, and maybe even have some leftover for yourself.

Make gifts merrier with First Financial VISA® Gift Cards and currency envelopes! Available in denominations of $20 to $500, a First Financial VISA® Gift Card* is the perfect gift for anyone on your holiday list at a small cost of $3.95 per card. Gift card envelopes are just $1 and currency envelopes are free (limited 5 per person)!** All proceeds from the envelopes sales go directly to the First Financial Foundation.

Check out First Financial’s Holiday Savings Club Account – don’t put yourself into debt over holiday spending, save ahead and come out on top (and not in debt)!***

  • Open at any time
  • No minimum balance requirements
  • Dividends are posted annually on balances of $100 or more
  • Accounts automatically renew each year
  • Deposits can be made in person, via mail, payroll deductions, or direct deposit
  • Holiday Club funds are deposited into a First Financial Checking or Base Savings Account

*If the gift card is inactive for 360 days, an inactivity fee of $2.50 per month will be charged to the card – starting from the date of activation. If the card is lost or stolen, the replacement fee is $15.00.** 5 currency envelopes limit per person or purchase 10 currency envelopes for $2. ***A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the Bronze Tier. Click here to view full Rewards First program details, and here to view the Tier Level Comparison Chart. Accounts for children age 13 and under are excluded from this program.

Click here to view the original article source written by John Schmoll of U.S.News.