For Members Only: The (Credit Union) Holiday Savings Club

As enjoyable as the holidays are, you may be relieved that all the decorating, baking and shopping is over. But if you spent more than you planned and charged what you couldn't actually afford, you will likely be paying for those purchases long into the New Year. (Credit Union) wants to help you make next season trouble - and debt - free.

Before the fruitcake becomes too stale to even consider eating, think now about putting cash aside for next year. By beginning today, you'll save yourself the stress of trying to come up with the money at the last minute, or purchasing everything with plastic.

(Credit Union) Holiday Club accounts makes saving throughout the year easy. Each month we can automatically transfer money from your checking account to a special savings account earmarked for the holidays. In November, the balance of the account will available to you - just in time for holiday shopping!

To know how much you will need to set aside each month, first calculate how much you expect to spend on all holiday expenses next year (that includes cards, wrapping and decorations, food and entertaining, and travel). Divide by the number of months left in the year: that's the amount that will be automatically transferred.

As a special benefit of (Credit Union) membership, you have access to BALANCE Financial Fitness Program. Their counselors can help you determine how much you want to spend for next season's expenses (as well as assist you with more immediate concerns, such as developing a workable budget or paying off this year's holiday debt). Call them toll free at 888-456-2227, or visit www.balancepro.net for more information.