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A Christmas bonus that comes early

Posted by Jill Boynton  September 20, 2010 10:18 AM

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Several retailers are offering cash back on balances stored on Christmas Club savings cards, but don’t delay.

The Sears Christmas Club card offers a 3% bonus up to $100 on balances as of November 15th, but the card must be activated by October 31st. The reloadable gift card can be used at Sears, Kmart, Lands End, mygofer and The Great Indoors. Toys R Us has a similar program, but the bonus is paid on the card balance as of October 16th.

I haven’t found any other offers like these in our area, but another way to boost your holiday budget is to open a Christmas Club account at a local credit union. The advantage here is that you can set up direct deposit to make funding the account simple. And you’ll earn a little bit of interest between now and the holidays.

This blog is not written or edited by Boston.com or the Boston Globe.
The author is solely responsible for the content.

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ABOUT MANAGING YOUR MONEY
Local finance professionals share insights and advice on issues such as budgeting, managing debt, and retirement planning.

About the contributors

D. Abraham Ringer is a CERTIFIED FINANCIAL PLANNER practitioner and a Financial Adviser with Morgan Stanley Global Wealth Management in Boston. He is registered in MA, NH, NY and several other states to which his articles are directed. For more information please visit www.morganstanleyfa.com/ringer
Financial Planning Association™ of Massachusetts has 900 members who specialize in the financial planning process. Many of its members engage in philanthropic pro bono work in their communities, recommend legislation, elevate public awareness, promote financial literacy, and advocate for sound economic and tax policies.
Odysseas Papadimitriou is the founder of CardHub.com, a credit card and gift card marketplace, and WalletHub.com, a personal finance site. He has more than 13 years of experience in the personal finance industry, and previously served as senior director at Capital One.

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