November is a great time to get your finances in order before the holidays. Here are a few things to consider as you prepare for the holiday season:
Make Your Holiday List Early
Go ahead and make your list of gifts to purchase so you can shop early. Then, keep an eye out for when your items go on sale. Remember to plan early and give yourself time to purchase your items. Not only will that save you money, but it will also help you avoid the crowd and the extra stress of last minute shopping.
Redeem Your Rewards
If you have a credit card or other rewards program, use those rewards to purchase gifts or travel for the holidays. In many rewards programs, you only have a year to use them, so take advantage of that benefit now. If you’re a BancorpSouth credit card holder and you haven’t signed up for credit card rewards yet, you can do that here.
Review Your Benefits
Now is a good time to take a look at your healthcare benefits, because some companies have enrollment and re-enrollment during October or November. Look at the options available. Depending on the overall health of your family, you might want to consider choosing an option with a higher deductible that costs less per month, but only if it makes sense for you and your family. The cost difference could make an impact over the course of a year.
A little bit here and there can make a big difference when the holidays come. Plan ahead to make the best of your holiday season and have a more relaxing, enjoyable time with your family and friends.