The holidays have a way of creeping up quickly. One minute you’re buying Halloween candy, and the next you’re shopping for gifts, planning family gatherings, and wondering where all those extra expenses came from.

Before holiday spending gets scary, a little planning can help you stay in control.

At UHS Employees Federal Credit Union, a Personal Line of Credit or our low-rate Credit Card can give you added flexibility for the months ahead.

A Personal Line of Credit can provide access to funds when you need them, making it easier to handle planned purchases or unexpected expenses without applying for a new loan every time.

A UHS Employees FCU Credit Card can be another smart option for holiday purchases, especially when compared to carrying a balance on a higher-rate card. Plus, having one dedicated card for holiday spending can make it easier to see exactly how much you’ve spent.

Keep Holiday Spending from Becoming a Nightmare 

Before the busy season begins:

• Set your holiday budget now.
• Make a list of expected gifts, travel, meals, and events.
• Know what financing options you have available before you need them.
• Choose lower-cost borrowing options whenever possible.

A little preparation now can help take the fright out of holiday spending later.

Get holiday-ready with UHS Employees Federal Credit Union. Explore our Personal Line of Credit and Credit Card options today.