Luminus Financial

It's time for our Financial Health BINGO! 🙌 How many squares did you check off? Let us know in the comments! 👇 #bingo #financialhealth

Have you maximized your charitable giving for 2024? In addition to supporting important causes, charitable donations are also tax deductible. 👏 Which organizations have you donated to this year? Let us know in the comments! 👇 #charity #charitablegiving #donations #taxdeductible

When finding the perfect gifts for everyone on your list this holiday season, consider a gift that keeps on giving! 🧡 Making a charitable donation in your loved one's name is a thoughtful gift that will continue to give back long after the holidays are over. To make it even more thoughtful, choose an organization based on causes and interests close to their heart. Which organizations are you donating to this holiday season? Let us know in the comments! 👇 #donations #giftidea #charity

For our 12 Days of Financial Tips, we have to talk about smart holiday shopping! 🎁 Here are our top 3 tips for shopping intentionally this holiday season: 1️⃣ Avoid holiday debt by sticking to your holiday shopping budget 2️⃣ Compare prices, coupons, and sales across a variety of stores 3️⃣ Take advantage of cashback and rewards programs How are you shopping smart this holiday season? Share your best tips in the comments! 👇 #holidayshopping #financialtips

Overspending during the holiday season can lead to post-holiday debt blues. 🙁 Here's how to avoid holiday debt while shopping for gifts this year: 🎁 Set a budget and create a shopping list of specific gifts. 🎁 Shop early to avoid overspending and making impulsive purchases at the last minute. 🎁 Consider alternative gift ideas like DIY crafts, baked goods, or a holiday movie marathon. With a few intentional shopping decisions, you CAN avoid holiday debt this season! 🙌 #holidayshopping #holidaydebt

We HAVE to talk about budget-friendly gifting for our 12 Days of Financial Tips! 🎁 Here are 5 budget-friendly gift ideas that won't break the bank this holiday season: 1️⃣ Make a DIY ornament. 2️⃣ Bake a batch of cookies, fudge, or holiday bark. 3️⃣ Put together a mug and hot chocolate mix. 4️⃣ Print and frame a picture that represents a happy memory. 5️⃣ Regift a new or unused item from your home. You don't have to break the bank to give a great gift this holiday season! #giftideas #holidayseason

Credit unions are great supporters of local businesses. 🙌 Here's how: 🏢 Business Lines of Credit to help your business reach new heights 🏢 Commercial Mortgages to help your business expand 🏢 Business Credit Cards to help fuel your growth Learn more about Luminus Financial's business loans here 👉 https://lnkd.in/gdurgu-f #localbusiness #creditunion #Toronto

Have you maximized your retirement contributions for 2024? 👀 The end of the year is a great reminder to review how much you've contributed to your retirement accounts. If possible, consider maximizing your contributions so you can also maximize your tax deductions! #retirement #taxes #endofyear

We HAVE to talk about holiday travel in our 12 Days of Financial Tips! ✈️ Here are our top tips for saving money on holiday travel: 💰 Save on flights and hotel rooms with reward points. 💰 Be strategic and flexible with your travel dates. Flying over the weekend or the day after a holiday is typically more expensive. 💰 Save on foreign currencies through your local credit union. Learn more about Luminus Financial's great rates on foreign currencies here 👉 https://lnkd.in/gy6xdz_G #holidaytravel #financialtips

Our 12 Days of Financial Tips continues! 🙌 Today we're talking about how to do a year-end review. Here's the step-by-step process 👇 ☑️ Compile a list of your monthly income and expenses ☑️ Review your savings accounts, retirement accounts, and investments ☑️ Revisit your financial goals, assess your progress, and set new ones Conducting a year-end financial review can help you prioritize your financial health in 2025! #financialhealth #yearendreview #financialreview