The original 12 Days of Christmas includes a lot of birds, ladies dancing and pipers piping. While it is a catchy tune, deciding 12 ways to use your RMLEFCU Holiday Loan requires a modern view of consumer spending habits. If you plan, your Holiday Loan can last you all year long with timely purchases on the following schedule:
January: Cold Weather Coat – Head to the Columbia outlet in Castle Rock or online. Score an Omni-Heat cost for $199
February: Go out for a good meal with your sweetheart – One appetizer, two entrees, a bottle of wine and a dessert will likely set you back $150. For restaurants in Denver with ambiance we like this list.
March: Experience the Napa Valley of Beer (hint: You already live here) on a beer tour. A single ticket = $40/pp while a private tour = $79/pp. Many companies provide tours, but here’s one that Visit Denver recommends.
April: Tennis Shoes – Websites we like for the best deals and free shipping are 6pm.com, Zappos. Cost: $100
May: Don’t forget to send flowers to Mom on Mother’s Day. Our pick for customer service and quality: is 1-800 Flowers.com. Deeper discount is you use a coupon code. Your mom would approve. Cost: $65
June: Attend a concert at Red Rocks. To save more money, wait until the last minute and look on Craigslist or buy one in the parking lot. Cost: $150 for 2 tickets and dinner in nearby Morrison at the Morrison Inn.
July: Head up to Cheyenne Frontier Days. For $99 get a 4 pack that includes 4 rodeo tickets, 4 hamburgers or hotdogs, 4 fries, 4 soft drinks, a poster, park n ride pass, and a 20% merchandise voucher. Purchase here.
August is for airfare – Remember to book on Monday or Tuesday and fly on Tuesday or Wednesday to find the best deals, as planes are typically at their fullest Thursday through Monday. Let’s say you book a flight to Chicago to see family. If your family doesn’t mind, plan to come in January. Kayak for example shows airfare from Denver – Chicago for 2 adults from January 4th through January 11th for $252 total.
October is the best time to buy jeans. Why? The rush for back-to-school clothes has ended, so retailers are cutting prices on leftover inventory, which includes a lot of denim. Set aside $100 for two pairs.
November is turkey time. For turkey and all the fixings, you’ll spend roughly $50. Here is a list of places in Denver to buy your turkey. Although the list is from 2012, only In Season Market is out of business.
December is the best time to buy golf clubs. Manufacturers will offer specials during the holidays to lure gift givers and customers into purchasing their clubs. Here are some tips for golf club shopping. Estimate $120 for a nice driver.
Grand Total: $1,487.
Our monthly shopping guide helps you stretch your Holiday Loan. Plus, since you can borrow up to $2,500, you may even have money left over. RMLEFCU offers 12 month repayment and rates as low as 7.95% APR*. Call us at (303) 458-6660 or speak to a customer service representative at any of our three branches to get your Holiday Loan.
*Annual Percentage Rate. With approved credit. Some restrictions may apply. Offer valid until December 31, 2015.