MISSOURI BAPTIST CREDIT UNION
 
   FALL 2013                                                                                       NEWSLETTER
logo Greetings!

Fall is in the air! Mornings are getting crisper and evenings are getting colder. Your friends at Missouri Baptist Credit Union are welcoming this busy time of year! With the Holidays right around the corner, we are preparing to celebrate with you. We've included some important information in this newsletter regarding our upcoming schedule as well as some tips to help save you money this year! We hope that you find it informative and helpful.
  
You'll be seeing us around at the SBU Employee Benefits fair and the Missouri Baptist Convention Annual Meeting. Stop by and say hello! We love talking with our members! You can also register to win a gift from us!
  
We appreciate each of our members so much!
  
Faithfully Yours,
  
Mandy  
  
  

  Upcoming Dates

To Remember

  
  
CU Closed for Federal Holiday:
  
Columbus Day:
Monday, October 14th
  
Veteran's Day:
Monday, November 11th
  
Thanksgiving Holiday:
Thursday, November 28th
Friday, November 29th
  
Christmas:
Tuesday, December 24th
Wednesday, December 25th
  
New Years:
Wednesday, January 1st
  
  
Special Holiday Hours:
  
December 26th - December 31st
open 8:00 am to 12 noon
  
    
  
  
  
  
Quick Links
  
  
  
  
  
  
  
   
  
  
  
  
  
  
  
  
  
  
  
  
Phone: 573-635-4428
  
Fax: 573-636-4325
  
  
  
400 E High St
Jefferson City, MO 65101
  
  
  
Mandy Asbury, President
Kelly Woods, Loan Officer
           

Surviving the Holidays on a Budget

 

 

Christmas is over two months away but your Christmas budget may already be on your mind! In order to stay "merry" during this Christmas season, we'd like to offer some tips to help you survive this Christmas shopping season without breaking the bank.
  
Now that we've got Christmas on your mind, we'll start with our first tip:
  
1) Start your shopping early...but track your spending. A lot of times we'll forget what we've already purchased and continue shopping and buying gifts for someone when we've already exceeded our budget. Which leads to our next tip:
  
2) Make a Budget and STICK to it! And make sure everyone is on board with this budget. Once you have an amount established, make a list of everyone you would like to give a gift to. This list can get pretty long. Don't forget teachers, neighbors, scout leaders, employee gift exchanges, extended family, etc. How does this list compare to your budget? Establish an amount you would like to stick with for every person on this list. Do not exceed that amount! Remember, every person on your list doesn't need a store bought
gift.
  
3)  Consider home made gifts like crafts or baked goods. Would your gift recipient enjoy a craft made by your or some baked goods? Remember to budget for the items needed to make home made gifts as they can add up quickly! Another great idea is to gift services. You could babysit for a young couple or offer yardwork. Think about what  specialties and talents you can offer as a gift.
  
4) Resist the urge to buy last minute or impulse buys. If you are walking through the mall and find the PERFECT gift for someone and you have already exceeded your budget, you must weigh your options. Is this gift better suited than the one you have already purchased? Can you return the previous gift? Think through these purchases.  
  
5) Pay in CASH! Dave Ramsey would be proud of this tip! Relying on credit cards to track your holiday spending will almost always cause you to over spend. If you have  a plan, stick to it and use cash, you will be more willing to stay within your budget.
  
6) Remember, its ok to cut back. Consider discussing your plan with others that you have a gift exchange with. Perhaps they would like to cut back as well. Don't feel obligated to participate in the office gift exchange. You should never be embarrassed by your desire to save money!  Discuss your plan for Christmas early with your kids so they know what to expect on Christmas morning. Get them involved in shopping for bargains. Consider buying a family gift that everyone can benefit from rather than purchasing multiple gifts for members of your family.
  
7) Non-gift expenses can add up! Don't forget to budget for extra groceries for family dinners and auto expenses for trips.
  
Don't forget that no matter what your financial situation is, it should not determine whether or not you have a joyous Christmas. Christmas is a celebration of our Lord's birth and although gift giving (and getting) is fun, we should always remember the true meaning of Christmas.
                               

 LOOK FOR US!

  

Kelly Woods will be at Southwest Baptist University on Thursday, October 17th from 9:00 am to 2:00 pm for the Employee Benefits Fair. Stop by and say hello!
  
  
Mandy Asbury will be in Kansas City at the Missouri Baptist Convention Annual Meeting at our booth Monday, October 28th through Wednesday October 30th.
  
  
We'd love to see you stop by for a visit
and register for a gift!
  
  

 
Featured Product

  

Need to purchase a  gift but not sure what to buy? Stop by Missouri Baptist Credit Union and purchase a Visa Gift Card. Out of the area? No problem, just give us a call and we can send the card to you via US Mail.  Amounts can be from $10 to $500.
  
We have an assortment of card designs for all occasions and cards can be used anywhere Visa cards are accepted.