This year’s holidays may soon be, or already are a memory, but the Santa shock is just beginning. Avoid it completely by thinking about paying for next year’s holidays now.

1. Buy wrapping paper and decorations now! You’ll find bargain prices for all wrapping supplies and holiday ornaments and they won’t go bad over the year. Save a bundle by stocking up now.
2. Shop for next year’s presents in January. These will also be steeply discounted and you can save oodles of money by buying things that never go out of style.
3. If you usually find the holiday season to be financially crippling, consider opening a holiday club account at Health Care Family Credit Union.
4. Save all the gift cards you get throughout the year for the holiday season.
5. Keep your eyes open for gifts all year long. Whenever you spot a great find or an amazing bargain, grab it. You’ll save by buying what’s on sale and spreading out your gift shopping, instead of doing it all in a month or two.