Get a Head Start on the Holidays: How to Shop Smarter and Save More

(3 Minute Read) —  If it feels like the holiday season is starting earlier every year, you’re right. According to a recent report from eMarketer, nearly two-thirds of U.S. adults plan to start their holiday shopping before Black Friday. With more people spreading out purchases to manage their budgets, early November has become the new kickoff to holiday spending.

At Unitus, we believe thoughtful planning is one of the best ways to protect your financial well-being. Whether you’re tackling your gift list or setting limits that keep your savings goals on track, a little preparation now can make a big difference by the end of the year.

Why More People Are Shopping Early

Several trends are shaping this year’s holiday shopping season:

• Prices and planning. With inflation still top of mind for many households, shoppers are locking in prices early to avoid last-minute surprises.
• Spreading out expenses. Buying a few gifts each week helps people stay within budget and reduces the stress of big December bills.
• Younger generations are more cautious. Recent data shows Gen Z expects to spend about 22% less on gifts this year. Younger shoppers are prioritizing savings and making more deliberate purchases.

How to Stay in Control of Holiday Spending

Here are a few ways Unitus can help you shop smarter, stress less, and keep your goals within reach:

1. Use your Rewards Debit Card to build savings automatically

Every time you make a purchase with your Unitus Rewards Debit Card, you earn cash back that can go straight into your Rewards Savings account, helping you build a holiday or rainy-day fund with every swipe.

2. Set a spending plan before you shop

Decide how much you’ll spend on gifts, decorations, and experiences, and track your progress inDigital Banking. Seeing your balances and spending in one place makes it easier to stay accountable.

3. Take advantage of early deals—but compare prices

Retailers will start dropping sales earlier than ever, but not all promotions are equal. Our advice: add items to your wish list and monitor prices before checking out.

4. Protect your cards and your peace of mind

Before shopping online or in stores, set up card controls and alerts with Card Management in Digital Banking. You can turn your card on or off instantly, set spending limits, and get real-time purchase notifications.

A Season of Giving and Growing

The holidays are about connection, generosity, and community—values that align closely with our mission at Unitus. As you give to others this season, remember to give back to yourself, too, by keeping your savings goals strong.

If you need help building a budget or finding tools to reach your financial goals, we’re here for you. Check out our financial well-being tools or stop by your local branch to learn how we can help you make this holiday season joyful, affordable, and stress-free.