Hey y’all! I hope that you all had a great Thanksgiving and are enjoying the long weekend. I know that today is Black Friday and that today also marks the start of the Christmas and Holiday season for many people. That might mean shopping, shopping, shopping for some of you! And it’s great to get good deals and save money. But we wanted to stop in today and tell you a little bit about our Christmas shopping this year.
In the past, Sean and I tend to go overboard on Christmas presents. Since we both have pretty good jobs, it feels good to “spoil” the people around us with special gifts. I am a major budgeter and set aside a certain amount of money from each paycheck all year long for my Christmas gift fund (I have a whole savings account specifically for Christmas!)
Last year’s Christmas decor
However, this year is a little different. We are getting married in April and have a lot of major payments that start being due in January. So, it is very important that we plan now, so that we don’t face a financial hangover in January, when all of our Christmas bills come due, as well.
It’s important to look at your savings and extra cash flow and set reasonable budgets. You don’t want to have to charge a bunch of expenses that you can’t pay off – it’s easy to get caught up in the hustle and bustle of the holiday season and lose sight of the goals we’ve set to help us achieve financial peace of mind. I have made sure to communicate my per-person budget with family members before I ask them what they want – it’s important that everyone is on the same page.
This holiday, to encourage consumers to stay on track with their finances, Capital One 360 is decking the halls with deals you can bank on, including new account bonuses, referral bonuses and closing cost credits. Once the Thanksgiving celebrations are done, be sure to add Capital One 360’s Black Friday Sale to your shopping list. Visit them now to give yourself the lasting gift of financial peace of mind by taking advantage of Capital One 360’s deals on banking, brokerage and mortgage products. In addition to taking advantage of deals on banking, brokerage and mortgage products yourself, you can give your friends and family the gift of financial peace of mind by encouraging them to take advantage of the deals and refer them to the sale. If they sign up, you may be eligible for a $40 referral bonus.
Capital One 360 products are designed to save consumers time and money. From online to their mobile app, they are with customers 24/7. Capital One 360 Checking and 360 Savings are fee-free and earn interest. They offer remote deposit capture with Capital One 360’s CheckMate tool and make savings a snap with the Automatic Savings Plan.
On top of all of that, here are the Black Friday deals that Capital One 360 is offering:
|ShareBuilder||Up to $1,250 bonus (tiered offer)|
|Home Loans||$1,250 off closing costs|
|360 Checking||$100 bonus|
|360 Savings||$100 bonus|
|Refer a Friend||$40 bonus per successful referral|
It’s important to enjoy the holidays – but you don’t want to regret it later! You can spread Christmas cheer without destroying your budget. We will be sharing low cost and no cost gift ideas all month long, but one of my favorite ways is with edible gifts!
Thanks to Capital One for sponsoring this post, and thank you for supporting the brands that support Charleston Crafted. I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.