Plumas Bank offers Savvy
Holiday Spending Tips
As the gift-giving season approaches, PlumasBank has tips to help consumers keep spending in check and avoid the dreaded holiday hangover.
“Basic holiday expenses can put a strain on consumers’ finances—especially in an already stressed economy,” said Doug Biddle, the bank’s president and chief executive officer. “Being a savvy spender is key to avoiding the debt of Christmas past and having a financially happy New Year.”
Plumas Bank and credit card providers encourage consumers to be of good cheer this season using the following tips:
Create a Budget
Before you start your holiday shopping, develop a realistic budget. Be as detailed as possible. Look at past banking and credit card statements as well as receipts from last year to gauge your holiday spending.
Be a Scrooge
The fewer lines of credit you have, the easier it is to keep track of bills and pay off debt on time. Use caution when you consider applying for additional cards.
Don’t Let the Grinch Steal Your Holiday
Beware of fraudsters or suspicious offers to buy products. Do not enter your credit card number unless you are certain the Website is trustworthy. Keep receipts and billing statements to check for unauthorized charges. Shred documents that contain personal information.
Do You Hear What I Hear?
Understand the terms of your credit card. Credit cards are great financial tools when used with care. Fight the Temptation
Holiday shopping can be overwhelming and sale items can make it difficult to say no. Resist impulse shopping and stick to your budget.
east quincy tree lighting
The East Quincy Christmas tree lighting festivities will take place Saturday, Dec. 19, at Sports & Shorts. Preceding the tree lighting at 6 p.m. will be a complimentary tri-tip dinner at 5 p.m. For those who are game, there will be a 9-ball double elimination pool tournament beginning at 1 p.m.
closing early Thursday
The Feather Publishing Quincy offices on Lawrence Street will close 4 p.m. Thursday, Dec. 17, for an employee function. Business can be conducted earlier in the day or via voice mail or the outdoor drop box.
on the move…
Firehouse Thrift Store in Portola has moved to 208 W. Sierra St. in Portola. Manager Linda Robinson says the new location has a lot more room to allow for expanding inventory.
OUR ANNIVERSARY WISHES…
In Blairsden, Crazyblooms, the full service floral and gift shop owned and operated by Moira Swing, is celebrating its third anniversary.
x The Graeagle Lighting Company is celebrating its first anniversary this month. Owner Chris Nicholson has established himself well in the market with an extensive and rather classy inventory of lighting fixtures, flooring and window shutters.
x For 14 years Barbara and Scott Tanner have been successfully taking care of businesses with Scott Tanner Business Equipment. They service and sell copy and fax machines and supplies throughout the tri-county region.
x It’s the second anniversary for Bob and Julie Hatzell’s Alley Cat Café behind The Studio Gallery in Quincy. In just two short years the couple and their staff have made this one of the town’s favorite gathering spots.
x Nine years—wow! That’s how long Courthouse Cafe owners Dutch and Kim Morrison have been owners of downtown Quincy’s popular breakfast and lunch café across from the courthouse.
x Graeagle-based DISHgrace Party Rentals is celebrating its sixth year of providing party supplies throughout Plumas County. They have a new Web site, dishgracepartyrentals.vpweb.com, where customers can reserve dates, view inventory, place an order, and even pay online. Owner Klytia Dutton says a major percentage of her annual invoices are never collected, because she donates many of those services to the local organizations and charities hosting events.
homebuyers TAX CREDIT extended`
The federal tax credit for home buyers the president signed into law recently was set to expire Nov. 30, but has been extended until Apr. 30, 2010. It was also expanded to include existing homeowners who have lived in their primary residences for five consecutive years out of the last eight years. First-time homebuyers may still be eligible for a tax credit of up to $8,000, while existing homeowners may receive a credit of up to $6,500. The bill also increases the qualifying income limits, and taxpayers can claim the credit on purchases completed in 2010 on their 2009 income tax returns. Ask your Realtor for all the details.