Holiday budgeting tips for Auburn, Opelika, and Montgomery families
Let’s be honest – holiday expenses sneak up fast. One minute you’re carving pumpkins, the next you’re maxing out a credit card on gifts, travel, and matching pajamas. But while many folks scramble to pull together a last-minute budget in December, AUCU members are already planning ahead – and saving themselves a lot of stress.
Here’s how to prepare now, with smart, member-friendly tips for joy-filled holidays – without the financial stress.
Get Free Expert Help (Before You Need It)
We’ve partnered with GreenPath, a trusted non-profit, to offer members free access to personalized financial counseling and education. This covers everything from budgeting and credit improvement to debt repayment and avoiding financial hardships like foreclosure or repossession.
Turn Your Wishlist Into a Realistic Plan
Map out holiday categories – gifts, meals, décor, travel – then set realistic spending limits. Use your goals to guide purchases and avoid impulsive overspending. AUCU’s approach to financial wellness supports a plan that’s clear, action-based, and stress-free.
Save in Advance Using Sub-Shares
Open a holiday sub‑share account within your AUCU membership to earmark funds while still earning dividends. This organized saving method helps keep holiday funds separate and accessible only when needed, so you stay on top of spending.
Explore Member-First Loan Strategies (If needed)
If holiday costs feel tight, AUCU offers personal loans that may be a smarter alternative to high-interest credit cards. Choose from options like signature loans, E‑Z Eagle Line of Credit, or debt consolidation to manage payments with fixed terms and member-friendly rates
Pay Smart and Use Member Benefits
Start holiday shopping early and take advantage of cashback tools or your AUCU debit card for smart savings. Use free financial planning tools and counseling and lean into AUCU’s services designed to support your budget and goals.
Make This Your First Stress-free Holiday Season
Reflect on what worked after the holiday season. Even small monthly contributions to a dedicated savings sub‑share (like $20/month) can ease the financial burden next year. Visit AUCU’s Financial Wellness resources to stay in the driver’s seat of your finances.
Why Trust AUCU with Your Financial Wellness?
As a member-owned credit union, AUCU reinvests in you, offering lower fees, better rates, and personalized support rooted in our founding "People Helping People" mission. Let’s make this holiday season truly joyful – through smart planning, supportive services, and credit union care that’s built for you.
Visit AUCU’s Financial Wellness Hub
AUCU is an equal opportunity lender and federally insured by the NCUA. NMLS# 530633