The holidays are a time for joy — not financial stress. Between gifts, travel and celebrations, expenses can add up quickly.

Arizona Central Credit Union (AZCCU) is here to help you keep the season merry and your budget on track.

But how can you set yourself on the right path?

1. Start with a holiday budget

— List all expected expenses: gifts, food, décor and travel.

— Use the 50/30/20 rule: 50% needs, 30% wants and 20% savings. Track spending easily with AZCCU’s online banking tools.

2. Smart financing options

Avoid high-interest debt by exploring AZCCU’s affordable solutions:

— Low-interest credit cards for everyday purchases. Learn more here.

— Personal loans at just 7.99% APR* through Jan. 1, perfect for consolidating holiday expenses or covering big-ticket items. More here.

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