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by BECU Financial Advisor,posted Mar 20 2011 10:52AM
Thereâ€™s an easy way to experience holidays and vacations without going into debt and it means less financial pain when the fun is over.
Open a separate savings account or Certificate of Deposit account for your specific goal and add to it monthly at a level that will give you the money that you need.Â To ensure you stay on track with your savings goal, set up an automatic transfer from your checking account.
With a Certificate of Deposit youâ€™ll earn a guaranteed return on your money AND you can choose the term of your account anywhere from 3 months to 60 months.
The prospect of not having to endure high credit card bills when the fun is all over makes enjoying holidays and vacations a lot easier.
Planning, goal setting, and saving can get you in the habit of living on a realistic budget.