Trinity Monthly Newsletter
                     

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Trinity Debt Management Newsletter November 2013

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  Tip of the Month

                                                               To find more great holiday savings deals,visit CoolSavings.com.                                        Here, you can find deals on all of your
Thanksgiving and Holiday Shopping needs.

Holiday Savings Tips

Before we know it, the holiday shopping season
will be upon us. The best way to save time and money is to get organized before the holidays begin. Here are some easy tips to help you save on your holiday shopping.

Develop a Budget

Write a list of everyone on your gift list and decide how much you can afford to spend on each person. This budget should include costs for gifts and items such as gift cards, postage, gift-wrapping, meals, parties and travel. To help you develop a holiday budget, check out a free Holiday
Budget calculator. Keep track of all your additional spending by tracking your spending using Gift Log calculator.

Don’t forget to comparison shop as you look for gifts. Savvy shoppers are expected to do most comparison shopping online this year. ShopSavvy is
a barcode scanner-comparison app that allows you to scan for price and
availability both online and instore locations. ShopSavvy allows community input, so the database expands as shoppers add barcodes and reviews to the system. You can also check the Deals section to grab a Groupon offer of the day and get info about sales, promotions, rebates and more.

Get Started

Developing a holiday spending plan is essential to saving during the holidays. This year many apps are available to help make your holiday budgeting simple. Here are four apps to help you
plan better, stick to your budget, and save money along the way.

Favado is a new smart phone app that allows consumers to compare and view local sales by offering real-time coupon data from over 65,000 grocery and drugstores nationwide.  This app can help you organize your grocery list by store and sale, and will even notify you of price drops.

Snip Snap is a new smart phone app that digitizes and organizes coupons on your phone.  With Snip Snap, you simply open the app and use your camera to scan the coupon.  The app then converts it to a mobile ready coupon that you can scan at the register.  You can also get location based reminders when you’re near a store that you have coupons for.

Ibotta helps you choose from a variety of retailers that use store loyalty points. Search your favorite stores that offer loyalty points and cash out the points as savings on holiday items.

Red Laser helps you access current deals at local stores. You are able to view ads or scan bar codes to do price comparisons between both online
and offline retailers. Just take a picture of an items bar code, and Red Laser will help you locate the best price for that item in your area.

Get Creative

Many families are looking for ways to save.  To help minimize spending this year, try drawing names and keep a spending cap. This way everyone gets a gift, but each person only has to buy one gift.

Handmade gifts can be a great alternative to store bought gifts. Think about what the person may want or need then incorporate your own talents. Some examples would be baking cookies, create a photo album, decorate a picture frame, knit a blanket or scarf, or compile their favorite tunes into a music CD.  The list is endless. Sites like Pinterest
make it very easy to find some inexpensive gift ideas. Combine those ideas with coupons from stores like Michaels and Jo-Ann to create unique gifts.

Control Travel Expenses

Traveling during the holidays can come at a premium. First, try booking your flight before Dec. 18. This is generally when you can get the best prices on holiday fares. Kayak reports that the cheapest rates have been posted on Dec. 12, 13, 16 and 17 in past years. After these dates, you’re likely going to be paying a very high amount for travel arrangements.

Here’s a list of travel apps to help you save on holiday travel expenses:

Kayak makes it easy to find the best flight.
Just enter your destination and departure and return dates, and it provides you with options that can be sorted by airline, price, stops and more.

FlightView tracks flight information (gate assignments, delays, cancellations and more) in real-time. You can even check your flight’s progress while you’re in the air.

Gas Buddy is an app where you can view prices for regular, midrange, premium or diesel fuel at stations close to your location. You can also search by city, state or ZIP code.

If you search for cheap gas prices to refuel, Gas Buddy will let you know how far the station is off the highway exit so you are not driving endlessly. Gas Buddy users submit prices as they visit or drive by stations, and users can see how recent the update is.

Hotels.com is a handy app for travelers because of its sole focus on hotels. It offers a wide selection of properties and is easy to use. The app defaults to hotels near you and those that are available for the night.

Get Organized

Create a gifting space. Set aside some room in your house to store the gifts and other holiday items that you purchase. One way to overspend is to purchase a gift for someone in advance and forget where you put it. Creating a space will help you avoid buying duplicate items or spending on last minute purchases.

Use a Calendar

 Mark any sales that you want to shop on your calendar. Use your calendar to check off the dates you would like to have your holiday shopping done by so that you are on track. Don’t forget to mark important
dates like Black Friday or other Thanksgiving or Christmas savings dates.

Keep everything in a binder. Put your gift list and your receipts in a
binder so that they are easy to find. Keeping receipts is essential for returns and for any stores that price match and give you back the difference. Be sure to check off each item on your list when you’ve purchased a gift for someone so that you stay on budget. It also helps to make notations of where each present is located in your gifting space.

Search for Savings

Shop Early

Over the past several years, shoppers have not had to wait for their Thanksgiving newspaper to score a peek at Black Friday bargains. Now, with leaked advertisements websites like blackfridaycentral.com
and blackfriday.com, shoppers can view Black Friday sales almost a month in advance. This gives the consumer the opportunity to research deals and find savings.

Apply for rebates

Shoppers who are entitled to a rebate should act fast. Four out of 10
people eligible for rebates forget to collect the necessary paperwork, follow
the wrong procedure, or simply wait too long to file.

What you will typically need is the product serial
number, a sticker or label from the product or package, an original receipt, the UPC code cut from the packaging, and an official form. Follow the directions and fill out the form completely, before mailing it off.  This should generally be done within a week of your purchase. (Note that if you remove the UPC code from any packaging, you will not be able to return or exchange that product.)

Avoid priority shipping

The deadline for free holiday shipping from major
retailers generally expires about a week before Christmas.

Keep in mind that ordering one-day service can add $20 or more and does not typically guarantee delivery within 24 hours. The arrival date is calculated from the moment the package is shipped, so factor in two or three days of processing time (unless otherwise stated). Read the fine print before rushing a delivery.

Trinity Customer Service and payment cancellation

As a client of Trinity, you have been assigned a personal Customer Service Representative based on the first letter of your last name.

If you last name begins with A-B or S-Z your representative is Darlene Reffitt at extension 3025 or dreffitt@trinitycredit.org
If your last name begins with C-J your representative is Julie Craig at extension 3021 or jcraig@trinitycredit.org

If you last name begins with K-R your representative is Mike Cunningham at extension 3003 or mcunningham@trinitycredit.org

If your monthly payment is made through electronic withdrawal, please remember that we require a 2 business day advance notice in order to cancel your withdrawal. You may contact your customer service representatives or Carole Leonard at extension 3004 to make changes to your withdrawal.

Trinity Customer Service and payment cancellation

1-800-758-3844

Trinity has recently undergone a change in the assigned customer service representatives.

As a client of Trinity, you have been assigned a personal Customer Service Representative based on the first letter of your last name.

If you last name begins with A-B or S-Z your representative is Darlene Reffitt at extension 3025 or dreffitt@trinitycredit.org

If your last name begins with C-J your representative is Julie Craig at extension 3021 or jcraig@trinitycredit.org

If you last name begins with K-R your representative is Mike Cunningham at extension 3003 or mcunningham@trinitycredit.org

If your monthly payment is made through electronic withdrawal, please remember that we require a 2 business day advance notice in order to cancel your withdrawal. You may contact your customer service representatives or Carole Leonard at extension 3004 to make changes to your withdrawal.

                          


11229 Reading Road Cincinnati, Ohio 45241800.758.3844 | www.trinitycredit.org

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