🎁 Holiday Hustle: Spend Smart, Save Smarter

Alright TruEnergy Youth — let’s talk gifts, goals, and not going broke.
December is giving peppermint vibes and cozy chaos, but while everyone’s swiping their cards like there’s no tomorrow, you’re gonna be the one keeping it cute and money-wise.

Whether you’re buying gifts, saving up, or just trying not to blow your snack money on seasonal lattes — here’s how to survive the holidays with your wallet still intact.

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🧠 Step 1: Make a List (Check It Twice)

Gift-giving is great, but your budget isn’t Santa.
Start by making a list of:

• People you actually want to buy for

• Gift ideas and max $$ you’re willing to spend

• What you already have (DIY materials? Baked goods? Secret talent? Use it!)

🎄 Hot tip: Set a total budget before you start shopping — not after you’ve already spent $84 at Target.

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🛍️ Step 2: Shop Smart, Not Stressful

Holiday deals can trick you into spending more than you meant to. Stay strong.

💸 Money-Saving Moves:

• Black Friday? Cyber Monday? Use those wisely — only for things on your list

• Hit up local markets, discount stores, and dollar spots

• Buy in bulk and make cute little gift bundles

• DIY a card or gift (yes, it still counts and people actually love that)

💡 Reminder: The price tag isn’t what makes the gift special — you are.

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🍫 Step 3: Don’t Let Snacks + Sales Steal Your Coins

Between school parties, mall trips, and Starbucks runs, you could accidentally spend your whole paycheck before New Year’s Eve.

👀 Budget Battle Plan:

• Pack your own snacks if you’re out holiday shopping

• Avoid “little” purchases that add up fast (yes, that $6 hot chocolate is judging you)

• Use your TruEnergy Youth Account to track spending and see where your money’s actually going (you might cry, it’s okay)

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🎯 December Challenge: Spend and Save

For every dollar you spend this month, try saving at least 50 cents.

• Spent $10 on a gift? Put $5 in your savings.

• Made money shoveling snow or babysitting? Save a chunk before you touch the rest.

🎁 End-of-Year Bonus:
Use that savings for YOU — to start the new year with cash in your account (and flex on January you).

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🔗 Let’s Hear From You!

What’s your favorite budget gift hack or holiday money tip? Tag us [@TruEnergyFCU] on Instagram with your savings wins, DIY presents, or smart-spending hauls — and you might get featured. 👀✨

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🎉 You’re not just surviving the holidays — you’re slaying them.
Stay cozy, stay smart, and close out your year like a financial legend. ✌️💰