Joe Jaspers photo

Joe Jaspers, CFP®

Vice President, Wealth Management

 

Carolinas Telco Capital Advisors

Located at Carolinas Telco FCU

9813 South Blvd, Suite 101

Charlotte, NC 28273

 

Phone:     704-391-5600

Toll Free: 800-622-5305, ext. 2608

Fax:         704-556-1652

 

Email: joe.jaspers@lpl.com

November/December 2021

Spend Less for a Jollier Holiday

Spend Less for a Jollier Holiday

It doesn’t take much to overspend when the holidays roll around. But, after the presents are opened and the wrapping paper disposed of, your own “gifts” could be a pile of bills and buyer’s remorse. With a little planning and a dose of self-discipline, you can enjoy the holidays debt free.


Set Limits — and Stick to Them
Don’t spend a single cent until you have a budget in place. Whether you set aside a pool of money to spend on all gifts or assign a spending limit for each person, decide on your budget before you hit the mall or the computer.


Cash Is King
Leave your charge cards at home and use cash when you’re shopping at retail stores. This helps prevent overspending. And, before you shop, come up with gift ideas for every person on your list.


Curb Your Enthusiasm
Shopping for specific items online allows you to easily compare prices at different websites and reduces the temptation to buy extras that aren’t on your list. If you pay online with a credit card, subtract the amount from your budget, and remember to pay off the balance when you get the bill.


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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Carolinas Telco FCU and Carolinas Telco Capital Advisors are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Carolinas Telco Capital Advisors, and may also be employees of Carolinas Telco FCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of, Carolinas Telco FCU or Carolinas Telco Capital Advisors. Securities and insurance offered through LPL or its affiliates are:

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