The biggest shopping weekend of the year is almost here, and while it’s easy to get swept up in the flash sales, a little planning can make all the difference. This year, build a no-regrets holiday budget with smart spending habits and the digital tools from MTC Federal Credit Union that help you stay in control—like 1-click spending alerts, card controls, and reward-earning credit cards.

Plan Before You Click “Buy”

Before the deals start flying, decide what you actually want to spend.

Make a quick list of:

• gift ideas
• set a total budget
• assign spending limits to each category—gifts, travel, décor, and fun extras.

Keeping that number in mind helps you shop with purpose and enjoy the savings without second-guessing your purchases later.

Pro Tip: Add a “buffer” amount (around 10%) for those can’t-miss surprises. Planning for the unexpected helps you stay flexible and on track.

1-Click Spending Alerts: Your Real-Time Safety Net

When your phone buzzes every time your card is used, you instantly know what’s happening with your account.

With MTC Federal’s Digital Banking card controls and spending alerts, you can:

1. Turn your card on or off anytime.
2. Set alerts for low balances & withdrawals
3. Get instant notifications after every transaction, or transactions above a specific amount.

Whether you’re shopping online or in-store, these tools keep your budget on track and your card protected—without slowing down your holiday fun.

Earn Rewards While You Shop

If you’re already planning to shop, make it work for you. MTC Federal’s rewards credit cards let you earn cash back or points on every purchase.

Here’s how to make the most of it:

1. Use your rewards card for planned purchases only.
2. Track your spending with alerts to stay mindful.
3. Redeem points toward future purchases or travel.

It’s the easiest way to enjoy your holiday shopping while earning a little something extra along the way.

Simplify Bigger Buys

Looking to upgrade appliances or book that family trip? Consider whether a personal loan from MTC Federal fits better than putting everything on your card. With flexible terms and predictable monthly payments, it’s an easy way to manage larger expenses within your holiday plan—without the stress.

Your No-Regrets Holiday Game Plan

Use this quick checklist to shop smarter this season:

1. Set your total spending limit.
2. Turn on card controls and alerts in the MTC Federal app.
3. Shop early, compare prices, and look for trusted retailers.
4. Pay attention to your notifications—they help keep your plan on track.
5. Enjoy your purchases knowing your spending stayed intentional.

The Bottom Line

On Black Friday and Cyber Monday, focus on confidence, not chaos. With MTC Federal’s 1-click alerts, card controls, and reward-earning credit cards, you can enjoy every deal and still feel great about your choices.

Because the best gifts this season are the ones you can celebrate—without a single regret.