We’ve made a list, checked it twice and realized our holiday shopping list just keeps getting bigger and bigger. What are the best ways to save this holiday season? Take a peek at our top 3 tips.

TIP 1. Make a List & Stick to It

Have you ever been grocery shopping on an empty stomach and then came home with a cart full of food that you didn’t need? 

Aww – the holidays! The season of gift giving, memory making and worrying about your budget.

Okay, that last one doesn’t sound like the merry and bright holidays we all know. That’s why this holiday season, USC Credit Union has combined the best time of year with an exclusive Holiday Loan to help you spend more time on making memories than worrying about your wallet. 

The holidays can be one of the most stressful times on your budget. Now that the holidays are through, it’s important to take a look at your financial well-being and get back on track in the New Year. Here’s some tips to help you recover and minimize debt from holiday spending.  

Gift giving can be the best and worst part of the holiday season. On one hand, it feels great to give gifts to those you love the most and to receive gifts in return. But nothing is as stressful during the holidays as trying to find the perfect gift for that difficult someone. What do you get the person who seems to have everything?  What do you get your in-law who only ever seems to buy you candles? (Not that we don’t love a festive holiday candle). Finding the perfect gift can seem impossible. Here’s some tips for finding the perfect gift for everyone on your list.

This holiday season, consumers are expected to spend nearly $1.1 trillion. It’s no surprise that whether online or in stores, the majority of these purchases will be made with a card of some sort. Debit and credit cards are very different and have their pros and cons when it comes to holiday shopping. We’ve broken down the implications of using a debit or credit card this holiday season so you can choose the swipe that’s right for you.

Black Friday and Cyber Monday are almost here, and the deals are always getting better and better. This year, these holidays look different as retailers are opting to have deals throughout November in addition to the exclusive, traditional Black Friday and Cyber Monday deals. Although some retailers will be open with social distancing in place, most of the deals this year will be available online as well. Whether you’re buying yourself something special or getting started on this year’s holiday shopping, these tips will save you time and money.