♪
Robert: WELCOME BACK.
FOR MANY OF US CHRISTMASTIME IS
AT WONDERFUL TIME.
HERE TODAY WITH FIVE RULES TO
TURN STRESS FROM SUCCESSFUL IS
PATTI REYNA FROM HawaiiUSA
FEDERAL CREDIT UNION.
ALSO A FULL-TIME MOM AND
PROFESSIONAL GIFT SHOPPER.
THANK YOU FOR BEING HERE AND
TAKING THE TIME GIA.
Jo. SURE.
John: SO BUSY.
YOU ALWAYS FIND Y SHOPPING AT
THE MINUTE.
YOU'VE GOT RULES TO HELP FOLKS
LIKE ME.
TELL ME RULE NUMBER ONE.
IT CAN BE INVALUABLE.
MAKE A LIST AND STICK TO IT.
FIND OUT WHAT THEIR INTERESTS
ARE AND WHAT THEY MAY BE
WANTING.
AS SOON AS I KNOW THAT I DEVELOP
A LIST AND BROWSE THE SALES AD.
ONCE I FIGURE OUT WHAT'S
AVAILABLE, LIST THEM OUT AND USE
THAT AS MY GUIDE.
THE LIST HELPS PREVENT IMPULSE
BUYING.
John: I FALL FOR THAT EVERY
YEAR.
NUMBER TWO?
STAY CONNECTED.
IT'S IMPORTANT TO HAVE PROPER
COMMUNICATION CHANNELS OPEN.
SOCIAL MEDIA IS ESSENTIAL.
THEY HAVE OFFERS.
YOU MAY WANT TO DOWNLOAD THE
APPLICATION.
IT MAY PROVIDE ADDITIONAL
SAVINGS.
AS MUCH AS POSSIBLE, BUY ONLINE.
SO YOU CAN AVOID FINDING THE
CROWD.
John: I ALI LOVE FINDING COUPONS.
RULE NUMBER THREE, DON'T
FIGHT THE CROWD.
GET IN, GET OUT.
OFTEN WE GET CAUGHT UP IN THE
STRESS OF LARGE CROWDS.
HEAD STRAIGHT FOR THE STORE AND
ITEMS YOU TARGETED.
GIFT CARDS ARE GREAT BUT IT'S
FAST AND EASY.
THERE'S REWARD CARDS.
ANOTHER AVENUE TO COST SAVING IS
EARN REWARD POINTS AND REDEEM
THEM FOR AMAZING GIFTS SUCH AS
TRAVEL, MERCHANDISE OR MORE.
YOU CAN PURCHASE ADDITIONAL GIFT
CARDS AT DISCOUNTED PRICES.
John: I'VE GOT EVERYTHING
ON THE LIST.
ALL THE GIFTS WERE PURCHASED.
WE'RE DONE.
NOT QUITE.
JUST YOU'VE GOTTEN YOUR LIST
TAKEN CARE OF DOESN'T MEAN THERE
ARE OTHER CONSIDERATIONS.
IT CAN BE AN EXTREMELY HIGH TIME
FOR FRAUD.
THIS IS WHERE IT'S IMPORTANT TO
REVIEW YOUR ACCOUNT ACTIVITY
ONLINE WITH YOUR FINANCIAL
INSTITUTION.
REVIEW YOUR BANK SAINT AND --
STATEMENT AND CREDIT CARD
STATEMENT.
THERE'S AN ALERT SYSTEM.
CHECK WITH YOUR FINANCIAL
INSTITUTION TO SEE WHAT OPTIONS
ARE AVAILABLE.
John: WHAT IS RULE NUMBER
FIVE?
ALWAYS DO SOMETHING BETTER.
THAT'S WHAT RULE FIVE IS.
LEARN FOR NEXT YEAR.
WE CAN MAKE HOLIDAY SHOPPING
SUCCESSFUL BY FOLLOWING THE FIVE
RULES.
RULE FIVE, THINK OF WAYS TO MAKE
CHRISTMAS THAT MUCH MORE
STRESS-FREE.
OPEN A CHRISTMAS CLUB ACCOUNT
WHERE YOU HAVE RECURRING
DEPOSITS THAT AGO INTO AN
ACCOUNT.
AND AT THE END OF THE YEAR YOU
GET THAT DEPOSIT BACK.
IN TIME FOR CHRISTMAS SHOPPING
SO YOU'RE NOT SCRAMBLING.
John: THAT'S PERFECT.
GOT TO FOLLOW SOME RULES,
ESPECIALLY DURING THIS TIME OR
OUTCOULD BE IN TROUBLE.
THANK YOU SO MUCH.
YOU WANT TO KNOW THE RULES AGAIN