Piggy bank on thin ice?
Holiday budget a little more naughty than nice?
UH Federal Credit Union is here,
With Holiday Hacks to bring good cheer!

1. Make a list and check it twice,
   Budget your spending, that’s the advice.
   Stick to the plan, don’t go astray,
   Your finances will thank you at the end of the day.
2. Shop online for the best deals around,
   Comparing prices, you’ll astound.
   Cashback and rewards, a shopper’s delight,
   Use them wisely, and your budget stays tight.
3. Credit card interest rates got a nasty bite?
   Excessive fees got you up through the night?
   Consider a card with a lower rate and no balance transfer fee,
   Your wallet will thank you, we guarantee.
4. Holiday cash flow a little light?
   Keep your finances merry and bright!
   Take advantage of a longer-term, special-rate personal loan,
   And apply in minutes from your mobile phone!
5. Gift limits and potluck dinners to share,
   With loved ones, it’s a gesture so fair.
   Traditions revamped, money you’ll save,
   With these holiday hacks, your finances behave.
6. Energy-efficient lights for your décor,
   Save on the bills, what a score!
   Turn them off when you’re not around,
   Your wallet and the planet will be quite profound.
7. Travel smart, plan ahead,
   Book tickets early, and you won’t dread.
   Stay with friends or use Airbnb’s might,
   A budget-friendly trip will be just right.
8. Homemade gifts are a heartfelt art,
   Savings come with a personal touch from the heart.
   Bake, craft, or create, it’s a thrifty delight,
   Your loved ones will cherish your gifts so bright.
9. ‘Tis the season where it’s hard to save,
   Where shopping and spending are the fave.
   Shop with a list, avoid impulse buys,
   Your bank account will surely rise.
10. Save in advance, set money aside.
    Your holiday season will be a smooth ride.
    Get a head start and save for 2025,
    Join the Christmas Club and your funds will thrive.

In this festive rhyme, we’ve shown the way,
To make your holidays merry, without a price to pay.
Remember these hacks as the season takes flight,
Happy Holiday’s to all, and to all a good night!