The holiday season is a time of joy, celebration, and giving. However, it can also be a time of stress and financial strain. From buying gifts for loved ones to hosting festive gatherings, the expenses can quickly add up. That's why it's smart to start saving for the holiday season as early as possible! Here are some tips: 

• Set a budget. Make a list of your anticipated holiday expenses, including gifts, travel costs, decorations, and hosting expenses. Once your budget is set, determine how much you need to save each month to meet your holiday spending goals.
   
• Start saving. Begin putting money away each month to ensure you have enough funds when it comes time to start shopping. Consider opening a Holiday Savings Account at your credit union to help you stay organized and committed to your saving goals. 
   
• Take advantage of sales and discounts. Keep an eye out for deals on items you know you'll need for the holidays. This will save you money in the long run. plus spreading out your shopping over a longer period of time can help you stay within your budget.
   
• Consider DIY gifts: Homemade gifts can be meaningful and memorable. Start planning and working on DIY projects early to ensure you have enough time to create thoughtful presents for your loved ones.
   
• Price check. Before making any purchases, research prices and look for sales and discounts. Compare prices online and in stores to ensure you're getting the best deal on gifts for your friends and family.
   
• Keep track of spending: Keep a log of your holiday spending to track how much you've already spent and how much you have left in your budget. This will help you stay on track and make adjustments as needed to avoid overspending.

By following these tips and starting to save for the holiday season early, you can reduce financial stress and enjoy a festive holiday season!