Winter Garden Magazine December 2018 | Page 23

Also, don’t forget to shop local on Small Business Saturday - your favorites stores may have the best bargains yet. Online Shopping Days: Online retailers offer significant discounts on days like Cyber Monday and Small Business Saturday. BUY NOW, PAY LATER Credit Card Rates: If you are going to apply for a new card, check introductory offers for rates, balance transfer opportunities and delayed financing options. Store Credit Cards: Often when you open a card at checkout, you receive a discount on your entire purchase. Store cards also offer coupons and deals throughout the holiday season if you use your store credit card. That said, make sure not to keep a balance for long, as store credit cards can have higher interest rates. Holiday spending still causing you stress? The experts at Nummo can help you manage, maintain and improve your financial health for the holidays and beyond. DECEMBER 2018 | WINTER GARDEN MAGAZINE |   23