Some Christmas spending tips from Killarney Credit Union

KILLARNEY Credit Union is also advising people that they should avoid the temptation to become consumed with the December rush, and has put together its five top tips for sensible spending this Christmas:

1. At Christmas the key to spending within your means and avoiding unnecessary stress is to draw up a spending budget specifically for the festive season. Once you have decided on a budget for the household, and set a limit to your seasonal spending, stick to these limits and you will be well on the road to spending within your means.

2. Once you have your Christmas budget prepared, let this guide your spending. Make a list of what you need to buy every time you plan on hitting the shops, and don’t allow yourself to buy anything that’s not on this list. This way, you are giving yourself the best chance to avoid over-spending.

3. Do your research before you make a purchase; are the goods you want to buy available at a better price somewhere else? If so, then don’t be afraid to ask for a price match – or at the very least ask for a small discount. At worst you will be turned down – or you could get your goods for the best price on the market!

4. Don’t forget to check out your local shops and stores where there is always a great range of good value and good quality gifts.

5. Consider planning a Secret Santa or Kris Kindle with your family and friends. Not only can this be great fun, but it’s also a fantastic way to save without losing the magic of Christmas.

Helen Courtney Power, Killarney Credit Union said “One of the keys to sensible spending at Christmas time is to set a budget for yourself and stick to it. Avoid deciding what to spend once you hit the shops, or you will be very likely to over-spend. Do your research before you make a purchase and ensure that you are getting the best price possible. And of course don’t forget to shop local, as you can often find some great bargains and some unique gifts in your local stories. Remember, if you need any help with budgeting or spending tips, drop into Killarney Credit Union for a friendly chat.”

Killarney Credit Union staff members Mark Murphy CEO, Elaine O’Shea, Margaret Moynihan, Elma Culloty (back from left) Helen Courtney Power, Emma Looney, Emer Guihan, Stephen Darmody and Noreen O’Sullivan wish all their customers a very Happy Christmas and New Year.