I've seen a handful of posts about not spending outside of your means for the holidays and I want to share an easy tip to ensure you have a good chunk if not all of your holiday money saved.
Every year I have open a 12month savings certificate. I set up a auto transfer of $30 twice a month and have the certificate come to maturity on Nov 1st. It doesn't earn a ton of interest, usually around .7-.9% but every year I have more than $720 deposited into my account. I transfer that money to a special checking account that I use only for holiday shopping.
It takes a huge amount of stress off my shoulders and I would highly recommend it.
Submitted November 23, 2018 at 02:44PM by DrunkenYeti13 https://ift.tt/2DViP3E
