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Four Ways to Save Your Wallet This Holiday Season

Photo Courtesy of: Brandpoint

Regions Bank, one of the largest U.S. banks with 1,630 branches across 16 states, has advice for consumers on how to prepare financially for the holiday shopping season.

By ,
November 18, 2015 at 01:53pm. Views: 151

The holiday season is often dubbed "the most wonderful time of the year," but for many Americans, it can be an incredibly stressful time financially. The National Retail Federation predicts a 4.1 percent increase in sales this year, with the average American set to spend an estimated $786 in the following categories: * $459.87 on gifts for family * $80.00 on gifts for friends * $26.03 on colleagues * $30.43 on the other people in their lives Whether shopping online or in-store, there's often a temptation to spend too much on gifts, leading to a case of buyer's remorse come January. Regions Bank, one of the largest U.S. banks with 1,630 branches across 16 states, has advice for consumers on how to prepare financially for the holiday shopping season. 1. Begin with the golden rule. Spending on gifts shouldn't exceed more than 1.5 percent of your annual income. Use this rule as a guide to determine how much you should set aside to spend on gifts for your friends and family - and stick to it. 2. Separate and delegate. Consider creating a separate account to fund gift purchases and make regular contributions from your primary checking account in a weekly, bi-weekly or monthly basis. 3. Only buy what you can truly afford. To prevent overspending, never leave home without a list of what you intend to buy, and be sure you have the money needed to cover your purchases once you arrive in-store. 4. Use timing to your advantage. While things like airline tickets should be booked far in advance, other items - toys in particular - often drop in price during the first two weeks in December. Sometimes it pays to wait, other times it does not, so be sure to check for deals before you head out shopping. As December nears, now is the time to start mapping out your shopping strategy. Establish a benchmark based on your income; create a holiday savings account, and fund it regularly; be sure you're purchasing within the parameters of what you can truly afford; and know when to buy and when to wait. And remember, the holidays are meant to warm the heart - not burn the wallet!

Class of 2026

Photo Courtesy of: City of Moreno Valley

By Ulises Cabrera, Community Writer

June 4, 2026 at 02:04pm. Views: 399

Across Moreno Valley, students are reaching a milestone that represents years of dedication, growth, and perseverance. To the Class of 2026, this moment belongs to you, and it’s one worth celebrating.

BLESSED TO BE ALIVE AT 95!!!

Photo Courtesy of: The Petersen Kids

By The Petersen Kids, Community Writer

June 4, 2026 at 07:55am. Views: 309

Niel “Pete” Petersen Turns 95 this weekend. B.Y.O.B, Bring Your Own Bible. Pete has long been a cherished and prominent member of the Grand Terrace community. He has also shared his insights and experiences as a contributing writer for City News Group, helping inform and inspire local readers. A man of deep faith, Pete is an active member of both Colton Christian Church and Centerpoint Church. As he celebrates his 95th birthday, the community joins together in honoring a life marked by compassion, service, and an unwavering commitment to helping others.

Chamber Luncheons Continue Bringing Local Leaders and Businesses Together

Photo Courtesy of: City News Group AI-generated Image

By Stella Pierce, Community Writer

May 13, 2026 at 01:38pm. Views: 1440

Business professionals and community leaders attend a luncheon networking event featuring guest speakers and local updates.

GTHS Athlete of the Week: Brenden Muir

Photo Courtesy of: TME Photography by Titan Mom Elvira

By Titan Mom Elvira, Community Writer

May 13, 2026 at 01:38pm. Views: 1211

Brenden Muir proudly represents Titan Baseball with dedication, leadership, and passion both on and off the field.

Rising Teen Driver Truly Adams Emerging as a Driver to Watch in 2026 Season

Photo Courtesy of: Truly Adams

By Justus Baker-Postell, Community Writer

May 13, 2026 at 01:38pm. Views: 1597

Truly “The Truth” Adams secures a second-place podium finish at NOLA Motorsports Park during the opening rounds of the 2026 Ligier Junior Formula Championship.

The Black Culture Foundation Awards Alisha James a Black Rose

Photo Courtesy of: Alisha James

By Carl M. Dameron , Contributing Writer

May 13, 2026 at 01:38pm. Views: 1405

PHOTO CAPTION: “This means so much to me because I love my students and the population I serve,” said Black Rose Award Winner Alisha James, Senior High Teacher at San Bernardino City Unified School District (SBCUSD).

IF IT DON'T MAKE DOLLARS IT DON'T MAKE SENSE

Photo Courtesy of: City News group AI Generated Image

By The Opinion of Vivian Johnson, Community Writer

June 3, 2026 at 12:04pm. Views: 405

Budget priorities can influence how communities support economic development, business licensing, and local entrepreneurship. This AI-generated illustration represents the connection between city financial planning and small business growth.