The Press-Dispatch
Issue link: https://www.ifoldsflip.com/i/92161
The Press-Dispatch PRESS-DISPATCH Wednesday, November 7, 2012 A-5 SHOPPING 7 WEEKS UNTIL CHRISTMAS Using savings clubs to budget for the holidays eliminates high bills come January. Thanksgiving is Coming Pumpkin Rolls Homemade Apple, Pecan & Pumpkin Pies Cookies Soft-Serve Ice Cream Lots More! 7994 S. Professional Dr, Fort Branch Tues-Fri 7am-6pm Sat 7am-4pm, Closed Sun & Mon Call us today at: 812-753-CakE SAVE UP ALL YEAR TO ENJOY A DEBT-FREE HOLIDAY SEASON The holiday season is synonymous with many things, including spending. Opening a Christmas Club account is one way shoppers exercise some financial savvy during the holi- day season. According to survey from the American Christmas clubs are good ways to budget and help avoid holiday debt. Here are their sugges- tions when establishing an account. Research Group, the average family spends between $700 and $900 on Christmas gifts in a given year. Roughly 1.5 percent of the fam- ily budget is devoted to holiday giving. This doesn't factor in the additional expenses of food and entertaining, as well as travel and miscel- laneous holiday necessities. The American Con- sumer Credit Council indicates that the average American carries credit card debt of roughly $8,562, and holiday spending can add to that already heavy burden. Setting aside funds for Christmas can help cut down on any additional debt from holiday giving. It helps to budget for the added gifts, decorations and food that make the holidays festive. Savings clubs have been offered through banks and other organizations for decades. It's never too early to establish a Christmas savings account, and most people like to get started right at the beginning of the new year. been offered through credit unions and sav- ings banks, third-party organizations, includ- ing retailers, also offer these types of savings accounts. Such accounts may accrue a small amount of interest, and unlike accounts estab- lished with banks, the money saved must be spent with the particular retailer holding the account. The Better Business Bureau advises that Your .44 Mag Headquarters RUGER 77/.44 STAINLESS bolt action $279 $425 $589 ROSSI MODEL 92 .44 MAG. LEVER ACTION RIFLE H&R SINGLE SHOT .44 MAG. 22" barrel, Camouflage finish available Must Sign-Up by November 16 to be Eligible. Register for our BIG BUCK CONTEST SPORTSMAN'S CVA .44 Mag Stainless Rifle See Store for Details! TOP PRIZE See our selection of hunting gear and guns. 205 N. Embree St., Princeton (Behind The Goldsmith) 386-7155 DEPOT Owner: Daniel S. Rainbolt New Style The Layaway Now for Christmas Colored Diamonds Good Selection of Good Selection of Seiko & Pulsar Watches Black Hills Gold New Styles of Goldsmith Tuesday-Friday 9 a.m.- 5p.m.; Saturday 9 a.m.-3 p.m. The 205 N. Embree, Princeton 386-7149 Almost everything that you could possibly want under one roof! Collectibles • Furniture • Antiques • Jewelry • Tools • Primitives Knives • Books • Electronics • Clothing • Much MORE! We're on Evansville Craig's List & Facebook! 600 East 6th Street • Huntingburg Sunday—11AM - 5PM • Mon thru Thur—10AM - 5PM Friday—Noon - 7PM • Saturday—9AM - 7PM Got Questions? Call Tonya 812-684-0067 IS COMING! Thanksgiving and Spices from Don't forget our delicious Wind & Willow Cheeseball, Dip and Appetizer Mixes THEY ALSO MAKE GREAT HOSTESS GIFTS! 121 W. BROADWAY, PRINCETON 812-386-0065 Hours: Mon.-Fri. 8:30 to 6, Sat. 8:30 to 4 CST Unique Gifts, Flowers & More! 804 E. Mulberry Street, Fort Branch Available Tuesday through Saturday 753-3811 Although Christmas clubs have traditionally BUILD A BUDGET. Consider how much you spent in the previous holiday season to help determine how much you want to set aside every month. you start setting aside money every month, the better. By setting up a club account in January or February, you'll benefit more from the inter- est rate and start the year off on the right foot. START SAVING NOW. The sooner SHOP AROUND. While the interest rates on these accounts are typically not very high, they can vary, so shop around for the best deal. clubs are essentially short-term savings ac- counts, but there are a few details that make them different. In some cases, there might be a minimum required deposit to open the account or a minimum amount you must deposit every month. In addition, there is often a financial penalty for withdrawing the funds before the holiday shopping season arrives. READ THE FINE PRINT. Christmas AUTOMATE THE PROCESS. Many Christmas club accounts allow for monthly au- tomatic deductions of the amount of money you determine from your bank account or paycheck. This helps lessen the pinch. Just make sure that you don't set aside so much that you run the risk of overdrawing on your accounts. Christmas clubs can be yet another financing tool that individuals use to help offset the ad- ditional expenses of the holiday season. ng uri th d d n SHOPPING THERE'S STILL TIME! You can still advertise in Contact John, Cindy, Nancy or Frank today at 753-3553 or email ads@sgstartimes.com changes of the seasons with a Celebrate the HAIR Expressions can help you with your new look. The Professionals at Visit our New Showroom located at 1629 Hart St., Suite C, Vincennes 812-882-0571 ENGAGEMENT RINGS JEWELRY REPAIR | ESTATE JEWELRY Fall into Berry's for... • Variety of Cheeses & Summer Sausages • Sweet Potatoes • Pumpkins & Squash • Turnips & Apples • Farm Fresh Eggs • Homemade Noodles • Jellies & Honey • Gourmet Foods • Coffees & Teas • Straw & Hay • Florida Citrus Coming! & Country Market Open: 9-6 Mon-Fri, 9-4 Saturday, 11-4 Sunday GIFT BASKETS! Berry's Produce IT'S TIME TO ORDER YOUR 1415 W. Brumfield, Princeton 812-386-6365 BEAR ARMS Show Your Guns! 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