Mother’s Day is a beautiful occasion to celebrate the incredible caregivers who raised, nurtured, and loved us. But you don’t have to break the bank while showering these special people with appreciation. A meaningful celebration doesn’t require a lavish budget — it just takes a little creativity and heart. Here are seven tips for saving money while celebrating Mother’s Day.
1. Plan ahead.
One of the easiest ways to overspend is to leave things to the last minute. Planning ahead allows time to hunt for sales, make DIY gifts, and avoid premium pricing on flowers, restaurants, and gift items. Early planning also lets you take advantage of accumulated coupons, discounts, or reward points. Just a reminder, Mother’s Day is this Sunday, May 11. While it may be too late to plan and save, there’s still time to buy and send a card today. Or save some money by making a card. According to the Greeting Card Association, Americans purchase 113 million cards for the holiday every year. Pressed for time and money? Remember to call this Sunday.
2. Go homemade.
A handmade gift or card can often mean more than anything bought from a store. DIY gifts are budget-friendly and deeply personal, whether it’s a heartfelt handwritten letter, a photo collage, or a framed picture of a cherished memory. If you’re handy in the kitchen, bake some favorite treats or cook a homemade meal — it’s both cost-effective and thoughtful.
3. Create experiences, not expenses.
Instead of buying something expensive, consider gifting an experience. Take the person you’re honoring on a picnic in the park, go for a nature walk, or plan a movie night at home with their favorite films and snacks. These shared moments often become cherished memories, many of which cost little to nothing.
4. Leverage loyalty and reward programs.
Many retailers and restaurants offer Mother’s Day specials, and if you’re part of any loyalty programs, now’s the time to use those points or coupons. Check your credit cards, grocery store apps, or email for promotions that can make gift-buying more affordable.
5. Group gifting.
If you have siblings or close family members, consider pooling funds together for a single, meaningful gift. This allows for a more impactful gift without anyone having to spend a lot individually. A collective spa voucher, concert tickets, or a subscription box service are all great group gift ideas.
6. Celebrate off-peak.
Restaurants and flower prices tend to skyrocket around Mother’s Day. Consider celebrating a day early or later in the week to avoid the rush and save money. A brunch on Saturday or dinner on Monday may be more enjoyable and affordable. And if you decide to pick flowers from your garden or make dinner at home, the savings will be significant.
7. Shop local and small.
Supporting local artisans, farmers’ markets or small businesses often gives you unique gifts at better prices. Plus, it’s a great way to support your community while avoiding the inflated prices of big-box retailers during peak holiday times.
While the Credit Union may not have crossed your mind as a gift idea, consider us a source for warm financial hugs. If you’re a Member, and your favorite caregiver isn’t, refer them to join. You both could earn up to a $100 referral bonus when they join with specific activities.*
If they are a Member, encourage them to take our free Financial Wellness Check. It only takes about 5 minutes, it’s a simple way to learn about potential issues and corrective measures. Or book an appointment with one of our Certified Financial Counselors for tailored, candid, practical ideas that can help lead to financial well-being.
Final thoughts.
Mother’s Day isn’t about how much money you spend — it’s about making the caregivers in your life feel appreciated, seen, and loved. By being thoughtful and resourceful, you can craft a day that warms their heart without emptying your wallet.
*Referral Program: Both the Referring Member and “Referred Member” will receive a referral bonus up to $100 subject to the following:
Referring Member must be at least 18 years of age, a current active member in good standing and not have caused a loss to the Credit Union, provide the name and contact information of a prospect within our Field of Membership, and the referral results in a new qualified membership. The “Referred Member” must remain a member for at least 60 days before bonus is paid.
$50 Checking and Direct Deposit Bonus: Eligible “Referred Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. Both the Referred Member and “Referring Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.
$50 Savings/Deposit Bonus: Both the Referring Member and “Referred Member” will receive a maximum for one additional $50 bonus subject to the following: Eligible “Referred Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. Both the Referred Member and “Referring Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.
There is no limit on the number of referrals a Referring Member can make. Only the initial referring party is eligible for bonus, employees, officials and their immediate family members are not eligible for bonus. Referral Program will be effective July 1, 2024 until further notice, and is subject to change at any time.
“Bonus” is considered interest and will be reported to the IRS.
