Holiday Shopping Tips – Avoid These Common Mistakes!

Get the most from your holiday shopping. Here are some tried and true tips for a successful shopping experience:

• Have a plan. Know what you are looking for before you start your shopping adventure. Create a cheat sheet listing the deals and gotta-have items on your Santa list. Include the store hours for each retailer and map out your trip to maximize your time. Even online sales often have time restrictions, so note those on your cheat sheet.
• Set a budget. Knowing in advance what you can spend will help eliminate indulgent and unnecessary purchases.
• Be skeptical of the “big deal.” If you’re hoping to score a new large-screen TV or the latest tech device, comparison shop online first. Often, deals aren’t what they seem. Retailers often bump up the original price to make savings seem more significant, or they will offer a lower quality product that lacks the bells and whistles you want.
• Don’t shop alone. Enjoy the camaraderie of family and friends as you hunt for the perfect gifts together! Having a shopping buddy has other essential benefits too, like someone to stand in line while the other continues to shop, or having someone to go grab something to drink while you are stuck in line.
• Reward yourself. Use your Texas Trust Debit Reward card or Platinum Reward credit card to earn points for travel, merchandise, gift cards or cash back on all your purchases. If you aren’t currently receiving rewards, sign up online today!

And, if you need some extra spending money, check out the Texas Trust Holiday Loan. This loan is perfect for that extra special gift or last minute emergencies. Our Holiday Loan is a gift in itself with amazing rates of 5.99% to 7.99% APR* for up to 60 months. Now, go out and get those gifts for the special people you love! Happy Holidays!

*APR=Annual Percentage Rate.