Make the Most of Your Holiday Budget

Monday, November 19 at 11:00 AM
Category: Business Banking

Whether you are buying groceries for a holiday meal, traveling to visit relatives or simply picking up last-minute stocking stuffers, it is no secret the holiday season is expensive. With two major holidays back-to-back, the spending often feels unending.

Rather than letting long wish lists intimidate you, check out these easy ways to stretch your budget.

Start with a Budget and Stick to it
As holiday gifts and treats flood store shelves, the temptation to stock up on family favorites can be difficult to resist. The colorful displays and sale tags expertly draw in enamored customers. However, if you step into the store with a list in hand and budget in mind, you will be prepared to purchase only the necessities.

Make the list before you leave home, create a budget and set aside a small amount of money for additional, last-minute or forgotten expenses. Money Crashers* encourages customers to avoid setting a budget that is too tight, which only leads to frustration.

Earn Credit Card Rewards Points
Before you start shopping or traveling this holiday season, look into credit card rewards opportunities. With nearly every purchase on your card, you will earn points that can be redeemed at a later date.

If you have an Arvest Bank personal credit card, log in or call (800) 356-8085, to activate and earn 3X rewards points on nearly everything you buy up to $3,000. Activate your card as soon as possible, because Arvest Flex Rewards are available Nov. 1-Dec. 31, 2018.

Schedule a Vacation
Although family trips are traditionally reserved for summer months, Bankrate* suggests the holiday season may actually be the most affordable time to get away. When hunting for the best accommodation rates, try checking online, calling the central reservation number or contacting the hotel directly.

The hotel or resort’s willingness to book empty rooms may secure you a memorable family getaway for a fraction of the usual cost. Set your mind at ease knowing nearly every charge on your credit card is earning you additional rewards points.

Take Advantage of Black Friday
If you are brave enough to tackle the Black Friday adventure, go with a pre-made list of everything you hope to buy. Creating a game plan ahead of time and staying on track could help you score those high-demand wish list items for a more reasonable price.

After you have filled a cart with the items on your list, use your credit card at check out and earn rewards points on the purchase.

Look for Coupons
The internet is full of money-saving websites such as Groupon* and RetailMeNot*, which provide large catalog of in-store and online coupons. Look for coupon codes on items you were already planning to purchase.

LifeHacker* suggests setting aside the money you saved, and allowing it to accumulate in a savings account. The small discounts here and there will add up faster than you think and provide extra cushion for your budget.

Whether you find a coupon to use or not, don’t forget to use your credit card at check out and earn rewards on nearly every purchase.

Disclosure:  Activate to earn 3X Arvest Flex Rewards points on up to $3,000 in eligible purchases made on your Arvest Personal Credit Card between November 01, 2018 and December 31, 2018. The bonus offer must be activated online by clicking the activation button in your Rewards Account or by calling the rewards phone line at (800) 356-8085, selecting option 1 for consumer and then selecting option 7 for rewards. Bonus points will only be awarded on eligible purchases from the time your bonus is activated until December 31, 2018. Eligible purchases are not limited by merchant categories such as groceries or fuel, but do not include fees or interest charges, balance transfers, cash advances, convenience check transactions, purchases of traveler’s checks, purchases or reloading of prepaid cards or purchases of other cash equivalents. Bonus points will be applied to your account within three billing cycles after your qualifying purchase. The Card Account must be open and not in default as of the date the bonus points are applied. New applications are subject to credit approval.

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*Link is a third-party site not operated or endorsed by Arvest Bank, an FDIC-insured institution.



Tags: Arvest, Business Banking
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