Ginger Kilman | United Community Bank

The holiday season is filled with many sights, sounds, and festivities. It can also be filled with a lot of spending. We’ve put together some tips to help you manage your holiday spending this year and next!

Budget First
Before you spend anything this holiday season, create a holiday budget and stick to it. Make a detailed list of all the people you’d like to remember and assign a dollar amount to each. When using your debit card, be sure to set up CardValet®, which allows you to track your purchases in real time and even set limits for spending. You can always use Online and Mobile Banking to easily track your spending as well.

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Plan Ahead
Once you have your budget, plan where and when you’ll do your shopping to avoid impulse buying. Be on the lookout for special savings days from your favorite retailers. Most retailers are more than happy to send holiday savings exclusively to consumers who have signed up to receive them. These social coupons come right to your email account and can be a great tool to help you save even more.

Protect Your Accounts
If travel is on your list of things to do this holiday season, make sure to review our travel tips to protect your accounts from fraudulent activity. If you have CardValet® set up for your United debit card, you have the ability to control your card via your smartphone by locking and unlocking your account, setting up spending limits and designating areas for purchases using your phone’s GPS.

Spend More Time, Less Money
At the end of the day, remember what the holiday season is truly about – spending time with family and friends. Once you’ve set your budget for purchases, carve out some extra time for the ones you love.