Christmas Club account puts merry back into Christmas

Christmas festivities are just days away and for many this is the happiest time of the year.

There’s nothing quite like celebrating with friends and family, exchanging gifts with loved ones, and taking off on a holiday.

But while Christmas brings a lot of joy, there is something else that all those activities bring as well – a lot of added expense.

Stretching the budget to cover the festive fare can be a struggle, especially as all those costs tend to hit at once.

The temptation is there to put the overspend on your credit cards. That merely means that while the fun of Christmas has faded, the financial hangover hasn’t, with the credit card bills soon appearing in our letterboxes.

But it doesn’t have to be that way.

Heritage Bank has a solution that helps you save up and ensure that next Christmas is merrier and freer of debt.

That solution is the Christmas Club account.

It’s an account that is set up specifically to help you accumulate savings during the year to pay for the festive fare.

All you have to do is come into a branch and set up a Christmas Club account, and if you open an account between 1 December 2011 and 11 February 2012 with a minimum balance of $10 and establish a regular periodic payment Heritage will give you a 650g Christmas pudding.

To help you resist temptation, the only time you are allowed to withdraw funds from this account is between 1 December and 31 January. (To access the money any other time you have to close the account completely).

Heritage’s Christmas Club account has no account keeping fee and no transaction fees, so it’s a great way to save.

With this account, you will have Christmas spending all wrapped up, and a Christmas pudding as well!

It’s just another way Heritage puts People first.

For more information about the Heritage Christmas Club, visit a branch, call 13 14 22, or logon to www.heritage.com.au.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.