Library of Congress Federal Credit Union

The holidays should bring joy, not financial strain.

But between Black Friday, Cyber Monday, and endless “can’t-miss” sales, it’s easy for spending to snowball. The good news? With a little planning, you can celebrate the season and protect your wallet.

Set a Real Budget and Keep It Visible


Start by deciding what you can realistically afford to spend overall on, not what you wish you could. Write it down, or better yet, track it in, for example, use simple notes app on your phone. Having that number visible helps you pause before adding just one more “small” item to your cart.

Shop with a Plan


Make a list before the sales begin. When something shiny catches your eye, follow the 24-hour rule: wait a day before buying. Most of the time, the urge fades, and your balance will thank you.

Use Cash or Debit


Paying with cash or debit keeps you anchored in reality as you feel what you’re spending. Credit cards make it easy to overextend, but even small balances can add up with holiday interest rates. If you do use a card, pick one with a clear repayment plan or a low-interest promotional period.

Rethink Gift-Giving


You don’t have to spend big to show you care. Try low-cost, meaningful alternatives:

• DIY gifts – homemade treats, framed photos, or playlists.
• Family gift exchanges – draw names and buy for one person instead of all.
• Shared experiences – plan a game night or movie marathon instead of giving more “stuff.

Start Saving for Next Year


The best time to start preparing for next year’s holidays? Right after this one. Setting up an automatic transfer to your LCFCU savings account, even $10 a week, can create a cushion for next December. Future you will thank present you.

The holidays don’t have to come with a credit card hangover. Plan ahead, spend intentionally, and focus on what truly matters, connection, gratitude, and peace of mind.

LCFCU can help you save smarter this season. Explore our website for budgeting tools, savings options, and personal loans designed to make your holidays brighter and stress-free