November 2009  :  www.fairwinds.org
Tips for Smart Holiday Shopping

The holiday shopping season is here, yet many consumers are trying to find ways to shop on a tighter budget. What can you do to avoid a budget bust this holiday?

Below are tips to help you make smarter holiday shopping decisions:

  • Make a list – and stick to it. Determine exactly how much you can comfortably afford to spend on holiday gifts. From that budget, make a list of all of the people you want to shop for and allocate your budgeted funds appropriately.

  • Don't wait. The longer you wait to shop, the less time you have to find the best deals. Waiting until the last minute also can increase your anxiety, leading to unplanned impulse purchases.

  • Leave the credit cards at home. If you don't have the money available in your checking account to pay off your credit card bill in January, don't even take the credit cards with you while you shop.

  • Avoid "buy now, pay later" purchases. Deals that allow you to delay payment on large-scale items for several months with zero percent financing can be tempting during the holidays. But if you don't have the money at that moment, even if you are expecting a raise in the coming months, don't take the offer. Only buy what you can afford at that exact moment.

  • Do your research. Go online before you shop to look for the best prices for gifts on your list. By knowing the fair value of your gift items, you may be able to negotiate lower prices while you shop.
  • For more information or if you need help determining the right budget for your household this holiday, stop by any FAIRWINDS branch location and ask to speak with one of our experts.

    Source: Bankrate.com


    FHA Loans Now at FAIRWINDS

    Owning your own home is even closer than you think!

    FAIRWINDS now offers Federal Housing Administration (FHA) mortgage loans to help our members make home ownership dreams a reality. Whether you are a first-time homebuyer or are looking for a minimal down payment option, an FHA loan could be the right solution for you.

    To learn more, please stop by any FAIRWINDS branch or contact a member of our Real Estate department at 407.647.8252.

    To apply for your FHA loan today, click here.






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    Points for the Holidays!

    Relationship REWARDS just keeps getting better...

    Exchange 100 Relationship REWARDS points for each entry to win four tickets to see the Orlando Magic play the Utah Jazz on Monday, December 21.

    You may enter as often as you like!

    To enter, simply visit your local branch, contact Member Services by phone, or send us an email securely through FAIRWINDS Online and tell us how many entries you would like to submit. See official rules for details.

    And coming soon...

    Starting November 27 and running through the end of the year, you can earn Relationship REWARDS points when you sign for your debit card purchases. Swipe and sign - it's that easy! Stay tuned to our website for more details.



    Holiday Shopping for a Cause

    Not sure what to buy everyone on your Christmas list? Stop by any FAIRWINDS branch location this holiday to purchase a VISA© Gift Card. With a FAIRWINDS VISA© Gift Card, even the hardest person to shop for on your list will have a very Merry Christmas.

    Gift cards can be purchased in any denomination from $10 up to $1,000 with a low service charge of $4.95 per card. These sure-to-please gifts can be used for purchases wherever VISA© is accepted.

    Plus, for every gift card purchased during the holiday season, $1 will be donated to the Baby DJ Toy Drive. Sponsored through XL 106.7, the Baby DJ fund helps families celebrate Christmas through the generosity of our Central Florida community.

    Take the guesswork out of Christmas shopping this year. Purchase your FAIRWINDS VISA© Gift Card today!

    *FAIRWINDS VISA© Gift Cards may only be purchased at a branch location. Card designs may vary by location. Cards are not available to order over the phone or through www.fairwinds.org.



    Shred Fest at Metrowest

    Saturday, December 12

    FAIRWINDS Metrowest Branch
    5875 Arnold Palmer Drive
    Orlando, FL 32835
    9:00 a.m. - 1:00 p.m.

    Don't miss out on this incredible opportunity to protect yourself from identity theft by safely destroying your personal documents and papers in our shred truck, courtesy of Crown Shredding. You can actually see the documents shred right before your eyes!

    For more information about Shred Fest and to view the 2010 Shred Fest calendar, please click here.




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