Preparing for Winter

As days get shorter and temperatures cool down, it’s the perfect time for you to prepare a winter budget and make sure you have the tools you need to keep your finances as happy as we hope your holidays will be. While winter is a time for celebrations and spending time with loved ones, it can also be a time of financial surprises and unexpected costs. 

When it comes to preparing your winter budget, we’re here to help! Stop by a local branch anytime for assistance in preparing a budget, and check out the tips and tricks below for things to keep in mind as you get started. 

Keep Your Home Warm, Safe, and Cost-Effective

When preparing your winter budget, keep in mind the increased costs that come along with homeownership in the colder months, ranging from snow and ice removal to busted pipes, home heating costs, winter storm damage and more. 

Consider investing in tools to keep energy costs low, such as weather stripping or improved insulation, or buy a programmable thermostat to help you better regulate home temperatures. And think about setting aside some extra funds to cover emergency costs that may arise during the months when budgets are already stretched thin. 

Stick to a Holiday Budget

While it’s easy to get swept up in the holiday season, sticking to a gift and celebration budget can help prevent you from feeling grinchy after the New Year. Decide before the holiday season starts who you plan to buy gifts for and how much you’re planning to spend. Remember to set aside a little extra for those unexpected gifts that come up. 

Keep in mind that homemade gifts like cards, cookie tins, or hot chocolate kits can offer a low-cost alternative for the more casual folks on your list! 

Travel Safely

Keeping your car – or sleigh – maintenance up to date can help you avoid costly repairs that leave you stuck in the snow. Don’t forget to check your battery and replace antifreeze and windshield wipers before the temperatures dip too low. Also consider investing in an emergency winter car kit before long trips to see family or friends. 

Enjoy the Winter Season

Above all, we wish you a happy, healthy winter. Stop by a local branch to say hi or for further budgeting tips and tricks!