You can also use your mobile device to help keep track of how much you are spending and whether you are sticking to your holiday shopping budget. And don't forget to sign up for mobile banking so that you can check your available account balance as often as necessary!

Your Key to Easy Holiday Shopping - Go Online!

Why fight holiday traffic and spend your precious minutes fighting for a parking space when you could be home, comfortable in your jammies and blissfully shopping online for all of your holiday gift needs?

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Many of the online retail giants-Amazon, for instance-offer "Black Friday" deals just as the big box stores and malls. Most online retailers will also offer free shipping in time for the holidays, gift wrapping and/or can ship directly to your recipient. In many cases, the best bargains can be found online! Save your time, energy and sanity by doing the bulk of your holiday shopping from the comfort of your living room.

Consider Alternative Gifts

Instead of focusing only on items, consider providing experiences, such as a pair of concert tickets, dinner at a favorite restaurant or a gift certificate for a facial and massage. These types of presents are much more personal than a random gift card but are just as easy to purchase. Buying these types of gifts also doesn't require you to fight the crowds for hours on end, which is another major bonus. Instead, you can focus on spending the days and weeks leading up to the holidays reflecting on what makes them so special to begin with.