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How Should I Fund My Holiday Shopping?

Special article brought to you by Wasatch Peaks Credit Union

Q: I’ve made my gift list and I’m checking it twice. But I’m getting a bit panicky just thinking about how I’m going to pay for all this stuff! What’s the best way to get me through this expensive season?
A: Relax! You can keep your budget and your sanity, too! Instead, learn about your choices so you can spend responsibly and keep your holiday cheer all through the season.

Christmas Club Account
Plan ahead and save more for your holiday shopping. Pay a little bit toward this expensive season all year long by opening a Christmas Club Account. A Christmas Club Account is a savings account that enables you to make deposits to save for holiday spending while earning a higher certificate rate. These accounts offer you a way to plan ahead for the season, instead of playing catch-up on your bills in the coming months. This helps take away the stress and put the cheer back in your holiday season!

Personal or Signature Loans
Anytime you need more holiday cash, you can stop by Wasatch Peaks to apply for a loan. Like all of our lending products, our personal loans have low interest rates, which makes the payback plan affordable for almost any budget. We also offer a Holiday Signature Loan which could provide you with up to $6,000 for 12 months at 6% interest.* Our representatives are always happy to help and exceed your expectations so you can get the money you need to fund your holiday shopping quickly.

Credit Cards
Credit cards may just be your best payment of choice for holiday shopping. Many credit cards offer rewards and cash-back opportunities, which means you’ll be rewarded for all of your holiday purchases. You’ll also actively build your credit score if you use the card responsibly, while also enjoying purchase protection – beneficial for those big-ticket gifts.

Another option that can help you with your holiday budgeting is a special gift from us to you: the option to skip a monthly loan payment for a little extra cash flow. When you choose Skip-a-Pay, you can find yourself with more breathing room for your budget when you find you need it most!
Enjoying the holiday season is more possible than ever with a variety of options to keep the expenses and stresses down. Now all that’s left is to choose the option that best fits your holidays! If you’re having questions or looking to explore your choices more, we can help! Get started by contacting our specialists at 801-627-8700 or visit your local Wasatch Peaks branch.

*On approved credit. This is our best rate; your rate may vary. Qualifications and rules apply. See Wasatch Peaks for details. Member eligibility required.

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