The holiday season is full of joy, celebration, and time with the people we love—but it can also bring financial stress if we’re not prepared. From buying gifts and hosting gatherings to traveling and decorating, expenses can add up fast.
At Mercer Savings Bank, we want to help you enjoy the season without sacrificing your financial well-being. Here’s how to make the most of your holiday shopping—without blowing your budget.
- Start with a Holiday Budget—and Stick to It
Before you shop, make a plan.
- Set a realistic budget for all your holiday expenses—not just gifts. Include travel, food, decorations, and event tickets.
- Use a simple spreadsheet or your mobile banking app to track spending.
- Don’t forget those little extras—they add up fast!
💡 Pro Tip: Set up account alerts to keep an eye on your spending in real time. It’s an easy way to stay on track and catch any unauthorized charges.
- Avoid the Credit Card Crunch
Holiday debt can linger long after the tree is down. Whenever possible:
- Use your debit card for purchases so you’re spending from funds you already have.
- If you use credit, have a clear plan for paying it off—preferably by the due date to avoid interest.
- Keep an eye out for Tap to Pay options—it’s a fast, secure way to check out with your Mercer Savings Mastercard® debit card.
- Give Experiences, Not Just Stuff
One of the best ways to save and make your gifts more meaningful? Gift an experience.
- Tickets to a concert, play, or sporting event
- Gift cards to a local restaurant, coffee shop, or spa
- A membership to a museum or zoo
- A DIY coupon book for services like babysitting or lawn care
Experiences create memories—and often cost less than traditional gifts.
- Shop Smart and Shop Early
- Take advantage of holiday deals—but only if they fit your list and budget.
- Sign up for store emails or use a coupon extension to find extra savings.
- Watch out for scams! Mercer Savings will never call, text, or email asking for your account info—that’s a red flag. When in doubt, call us directly.
- Support Small Businesses
When you shop local, you’re not just buying a gift—you’re investing in your community. Whether it’s a handcrafted item, locally made treat, or boutique gift card, supporting small businesses makes a big impact.
Final Thoughts: The Holidays Are About More Than Presents
A thoughtful note, a shared meal, or a homemade gift can mean more than the most expensive item on a shelf. With a little planning, you can give generously and protect your financial future.
Need help setting up account alerts, opening a savings account, or exploring options for your holiday spending plan? We’re here for you—online or in person.
Visit mercersavings.com to explore tools, accounts, and advice that make holiday spending smarter and stress-free.
