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New Year’s Resolutions You Can Actually Keep

Please enjoy this FREE E-Book from Mutual Credit Union as a gift to Kick Start your Successful Financial New Year in 2019! This workbook is designed to help you set goals, track them throughout 2019 and make your financial dreams a reality!

Click New Years Resolutions_eBook-interactive for the Downloadable Version. Enjoy!

New Years Resolution Workbook

January Resolutions Step 1

February Resolutions Step 2

March Resolutions Step 3

April Resolutions Step 4

May Resolutions Step 5

June Resolution Step 6

July Resolution Step 7

August Resolution Step 8

September Workbook

October Workbook

November Workbook

December Workbook

WE Can’t Wait To SAY……………………………..

 

Congratulations on a Job Well Done

Congratulations! Sandy Evans for 30 Years of Service

Press Release 

Friday, February 26, 2021 

Sandy Evans, Mutual Credit Union Employee Celebrates 30 Years of Service on Friday, February 26, 2021 

(Vicksburg, MS): Mutual Credit Union is thrilled to celebrate today with Sandy Evans as she celebrates 30 years working and serving the members of Mutual Credit Union. Sandy started with Mutual CU on February 26, 1991 as board secretary while also concurrently serving in the member services department. Since, 1991, Sandy has offered support to both members and fellow employees in her role as board secretary. Sandy has a degree from Ohio State University in Criminology and was previously employed at the Vicksburg Police Department, Vicksburg Medical Center, and the Polygraph Service. She and her husband Art own Vicksburg Alarms and they have four children, Melissa (Missy) Stockton, Robert Birdsong, Jeanice Skipper and Jeanelle Caraway.     

Congratulations, Sandy Evans on 30 wonderful years of a Job Well Done here at Mutual Credit Union! 

Sandy Evans, Mutual CU Board Secretary

For more information about Mutual Credit Union please follow this link to our webpage. For additional questions, please contact the marketing department at marketing@mutualcu.org or by calling (601) 636-7523 ext. 1226.  

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If You Hear This, You Are Talking To A Tax Scammer

It’s tax season, and the scammers are at it again! Beat them at their game by knowing what to look out for.

If you hear or see any of the following lines this tax season, you’re dealing with a scammer:

1. “We’re calling from the IRS to inform you that your identity has been stolen and you need to buy gift cards to fix it.”

If your identity has indeed been stolen, no amount of purchased gift cards will get it back.

2. “You owe tax money. We’ll arrest you, unless you buy iTunes gift cards.”

In this ruse, the scammer will also ask for the access numbers to the iTunes card to get easy and untraceable access to cash.

3. “If you don’t pay your tax bill now, we’ll cancel your Social Security number.”

Your Social Security number cannot be canceled, suspended, frozen or blocked.

4. “We’re calling you about a tax bill you’ve never heard about.”

The IRS will never initiate contact about an overdue tax bill by phone.

5.  “This is the Bureau of Tax Enforcement. We’re putting a lien or levy on your assets.”

Sounds scary, except for the fact that the Bureau of Tax Enforcement isn’t real.

6. “This is a pre-recorded message from the IRS. If you don’t call us back, you’ll be arrested.”

Scam alert: The IRS does not leave pre-recorded voicemails to individual taxpayers.

7. “You must make an immediate payment over the phone, using our chosen method.”

The IRS says that agents will never call to demand immediate payment using a specific method.

8. “Click here for more details about your tax refund.”

The IRS will never send emails with information about tax refunds. Clicking on the link in emails worded like this will put malware on the victim’s device.

9. “You owe the federal student tax.”

The federal student tax is yet another invention of tireless scammers.

10. “This is an SMS/social media post from the IRS. We need more information.”

The IRS doesn’t initiate contact with taxpayers, or ask for sensitive information, via text message or social media.

Stay alert during tax season and keep your money and your information safe!

Your Turn: Have you been targeted by a tax scam? Share your experience in the comments.

How to Celebrate Valentine’s Day on a Budget

Love is in the air and the money is flowing like heart emojis. According to the National Retail Federation, the average American spends $221.34 on Valentine’s Day each year. That’s a lot of money to spend on a one-day celebration!

Lucky for you, there are ways to enjoy a romantic evening with your partner without going into debt. Here’s how:

Work with a budget

Instead of spending mindlessly and regretting it afterward, designate a budget for all your Valentine’s Day expenses, and be sure to stick to it. In addition to helping you keep costs under control, working out a budget in advance will allow you to choose how to spend your money. You may decide to spend more on a gift and less on dinner, or maybe you’d rather skip both of these and splurge on a fun activity instead. Best of all, a preplanned budget means there will be no regrets spoiling the memory of your special day.

Shop smarter with a sales app

Check out shopping apps, like ShopSavvy or PriceGrabber, to score deals on that dream Valentines’ Day gift. The apps help you compare prices at online and in-store retailers, locate coupons for items you’re searching for and even bring up cash-back options to put money back into your wallet. Why pay full price when you don’t have to?

Save on flowers

Did you know that Americans spend close to $2 billion on Valentine’s Day flowers each year?

Save on those beautiful blossoms with these tips:

  • Shop for flowers at Costco, Trader Joe’s or Aldi. You’ll find great deals on fresh flowers that will outlast the cheaper ones you might find at street vendors.
  • Don’t buy flowers online. They’re unlikely to last well through the shipping and delivery process.
  • Use the food. The small packet of flower food that comes along with your blossoms will help them last longer and stay vibrant and fresh — but only if you use it.

Bring down your dinner costs

Don’t break your budget on a romantic dinner for two.

First, consider dining in. Yes, we know your kitchen table isn’t the hottest place in town, but you can find another area in your home and turn it into a special spot for a special meal. Consider laying down a blanket in front of the fireplace for a picnic-inspired experience, moving a small table into the living room or even setting up a cozy corner in a rarely used room in your home, such as a storage room or guest bedroom. Cook up a storm, or order in — you’ll still save on restaurant costs by forgoing beverages, gratuities and other add-ons you end up blowing money on when you eat out.

If you or your loved one are really looking forward to dining out, make it less expensive by learning how to beat the psychological tricks that restaurateurs play on diners to get them to spend more:

  • Look left. Restaurant owners strategically place the most profitable items on the menu in the right-hand corner — the spot most people look to automatically.
  • Say the price out loud. Notice the lack of dollar signs on the menu? It’s a trick to get you to spend more. Make the price real in your mind by saying it out loud.
  • Ignore the decoys. Restaurants famously place popular dishes near ridiculously overpriced items on the menu to make diners believe they’re getting a great deal. Your weapon against this trick is to completely ignore the most expensive item on the menu.
  • Dumb it down. Reading a restaurant menu can sometimes feel like reading French — even if you’re eating Italian. When choosing what to order, isolate the actual item on the menu instead of getting lost in all those descriptive phrases.
  • Take no notice of negative space. Another restaurant trick that gets diners to spend more is to create a pocket of empty space around high-profit items on the menu. This draws the eye to where the restaurant owner wants it to go and gets you to spend more than planned.

Celebrate late

If you dare, postpone your Valentine’s Day celebrations by a day or two for steep savings on all related expenses. You’ll find Valentine’s Day candy and greeting cards on clearance, gifts already marked down, and you won’t have to pay inflated restaurant prices for the same meal.

Use these hacks to plan the perfect Valentine’s Day on a budget.

Your Turn: How do you save on Valentine’s Day costs? Share your best tips with us in the comments.

28 Ways to Celebrate Black History Month

Since the 1970s, the month of February has been designated as the time to celebrate and commemorate Black history. Schools, television networks and private organizations use this month to increase awareness and to educate people about the rich history of Black Americans.

There are so many ways to celebrate! We challenge you to do one thing for Black History Month on each of the 28 days of February. Here are 28 ideas to help get you started:

  1. Support a Black-owned business. Many small businesses are hurting now. Show your support for a business in your community that is owned or operated by a Black person, partnership or family.
  2. Visit a Black- or civil rights-history museum. If museums are not open for in-person visits in your area, you can take a virtual tour at almost any museum, including the Smithsonian National Museum of African American History and Culture, the DuSable Museum of African American History or the  National Civil Rights Museum.
  3. Read the poem  “I, Too,” by Langston Hughes and have a family discussion about the poem’s meaning.
  4. Read Dr. Martin Luther King Jr.’s “I Have a Dream” speech.
  5. Binge-watch your favorite movies and documentaries on Black history and the civil rights movement.
  6. Learn about the life of Rosa Parks, one of the most influential figures of the civil rights movement.
  7. Read “On Beauty,” a novel by contemporary author Zadie Smith that explores beauty, feminism and sexuality within the context of race.
  8. Volunteer for a Black charity. You can find a full list here.
  9. Tune into blues music to read up on its history in the Black community.
  10. Look through James Karales’s photos of the 1965 Selma to Montgomery Civil Rights marches and discuss their significance.
  11. Learn the lyrics to “Say It Loud, I’m Black and I’m Proud,” released by James Brown, the “Godfather of Soul,” in August 1968, just four months after King’s assassination.
  12. Donate to a racial justice or educational cause, such as The Sentencing ProjectThurgood Marshall College Fund or the NAACP Legal Defense and Education Fund.
  13. Explore Black history through the thousands of sources in the National Archives. This photo series of Chicago in the 1970s is a great place to start.
  14. Read the poem “A Pledge to Rescue Our Youth,” by Maya Angelou. You can also watch this video to learn more about Angelou’s inspiration for this remarkable poem on youth and education.
  15. Learn the unique art of stepping, a form of dancing that uses the body to create rhythms and sounds. Check out Step Afrika! for how-to videos and information.
  16. Play a family game of Mancala, the ancient African game.
  17. Learn the lyrics and the background of “Lift Ev’ry Voice and Sing,” often referred to as the Black National Anthem.
  18. Learn about an unknown hero of Black history.
  19. Submit a blog to a Black media outlet.
  20. Read a memoir written by an influential Black figure. Some great picks include “Becoming,” by Michelle Obama, “The Cooking Gene: A Journey Through African American Culinary History In The Old South,” by Michael W. Twitty and “Extraordinary, Ordinary People: A Memoir Of Family,” by Condoleezza Rice.
  21. Create an ‘I Have a Dream’ garland with your family. Look up instructions here.
  22. Watch these student-made documentaries on notable African Americans.
  23. Make a reading list of great books by Black authors.
  24. Make a list of your favorite inspirational quotes by well-known Black personalities.
  25. Tune into the free educational program and performance on Black history and culture by the Chicago Children’s Choir. The event will livestream on Facebook and YouTube on Feb. 25.
  26. Learn the songs of the civil rights movement, like “This Little Light of Mine,” and “Oh, Freedom.” Have a family discussion, or open a discussion on your favorite social media platform, about the way the lyrics reflect the hopeful spirit of the era.
  27. Do you know who was the first Black tennis player to win the U.S. Open? Brush up on your knowledge about the many famous firsts in Black history.
  28. Take a virtual tour of Owens-Thomas House and Slave Quarters in Savannah, Ga.

Black history is rich, diverse, and, unfortunately, often painful. Use this list of ideas and activities to enrich your knowledge of Black culture and history this February.

Your Turn: How will you be celebrating Black History month? Share your ideas with us in the comments.

International Data Privacy Day Celebrated Jan. 28th

With kids still attending online classes and many adults still working from their homes, we are using more and more data, which is increasing the possibility of our personal information getting into the wrong hands.

International Data Privacy Day, on Jan. 28, is a worldwide initiative to promote awareness of the importance of privacy online as well as protecting personal information. It also is an effort to remind companies that safeguarding consumers’ privacy is a good business practice.

This year’s International Data Privacy Day theme focuses on the COVID-19 pandemic and how it has affected the way we live, work and interact.

“The pandemic has ensured that people all over the globe are more connected now than ever before. Consumers are generating more personal data through the use of devices and the businesses that power that connectivity inevitably collect and store that same data,” said Kelvin Coleman, executive director of the National Cyber Security Alliance (NCSA). “Data Privacy Day’s main objective is to be a yearly call-to-action; one that spurs discussion, reevaluation and awareness about how people can keep themselves and their data safe, and to show organizations that accountability, transparency and a commitment to fair and legitimate data-collection practices will ultimately lead to enhanced public trust and better brand reputation.”

According to the NCSA, Data Protection Day had been observed in Europe, and in January 2008, became known as Data Privacy Day in the United States and Canada. International Data Protection Day is celebrated on Jan. 28 to commemorate the 1981 signing of Convention 108, the first legally binding international treaty dealing with privacy and data protection.

To protect you and your family, the U.S. Federal Trade Commission (FTC) offers these tips:

Protect your kids:

  • Talk to your children about never giving out their Social Security numbers, account numbers and passwords.
  • Let them know that downloading “free” games, apps or other media can contain harmful software called malware, which can compromise their identity.
  • Teach them about using strong passwords. The longer the password, the harder it is to crack. Login names, birthdates, addresses and common words or phrases are not safe passwords. Also, reinforce the importance to not share passwords with anyone, including their friends.

Protect yourself:

  • Keep your software updated – Most apps, web browsers and operating systems will proactively offer the latest updates for increasing protection against cyber threats.
  • Use Two-Factor Authentication – Two-factor authentication requires not only a password, but also another piece of information, such as a code sent to your phone or a number generated from an app or token, to log into your account.
  • Use Encrypted Sites When Giving out Personal Information – To determine whether a site is encrypted, look for the letter “S” after the “http” in the beginning of a web address. This simple letter is a good signal to indicate the site is secure.

In addition to urging individuals to be vigilant in protecting themselves online, the NCSA is encouraging businesses “to keep individuals’ personal information safe from unauthorized access and ensuring fair, relevant and legitimate data collection and processing.”

Businesses are urged to abide by the following practices:

  • Protect clients’ information with security measures to prevent unauthorized access.
  • Know privacy laws pertaining to your business and educate employees on their responsibility to protect personal information.
  • Create a culture of privacy within your company.
  • Be honest and transparent about how your company collects and uses information.
  • Know if and how vendors or partners are using clients’ information.

International Data Privacy Day may only be observed once a year, but its principles should be practiced every day to keep your personal information out of the wrong hands.

Your turn: How do you protect yourself and your family online? Tell us about it in the comments.

Learn More

https://www.prnewswire.com/news-releases/national-cyber-security-alliance-kicks-off-data-privacy-day-this-week-to-raise-awareness-for-responsible-data-privacy-practices-301214558.html

https://www.consumer.ftc.gov/articles/0017-kids-and-computer-security

https://www.consumer.ftc.gov/articles/0009-computer-security

Mutual Credit Union Announces Milestone 90th Anniversary

 Press Release

Thursday, January 21, 2021

Vicksburg, Miss. – - Mutual Credit Union is excited to announce a milestone anniversary in 2021. Established in 1931, this year marks 90 years of serving our members and our communities. Over the last 90 years, Mutual Credit Union has grown from a credit union with fifty-six members and assets of $542.00 to a credit union with over 22,000 members and over $240 million in assets. Jerry Dean, 2020 Chairman of the Board of Directors for Mutual Credit Union stated, “I’m honored to celebrate with our members the 90th anniversary of Mutual Credit Union. Serving on the board since 2005, I am proud of the work the board of directors has played over the years in serving our members and our communities. Happy Anniversary, Mutual Credit Union!”  

We invite our members and community partners to be a part of our celebrations during the 2021 anniversary year. Each month, we will focus, share, and celebrate together highlighting different aspects of Mutual Credit Union. We will feature giveaways, mementos, recognitions, and recaps of our storied history. Please make sure that you are signed up to receive emails from Mutual Credit Union and are following our social channels for each month’s details. 

Beginning on April 10, 1931, the first credit union charter granted in the state of Mississippi was issued to the Federal Credit Union of Vicksburg. Later, in 1934, the name was changed to The Mutual Credit Union of Vicksburg and then again in 1954, the name was changed to what we know today as Mutual Credit Union. Starting from a cigar box in the old post office building in downtown Vicksburg, MS, Mutual Credit Union has seen exponential growth over its’ 90 years. In 1974, Mutual moved out of the old post office building to 1411 Cherry Street and then again in 1985 to the present-day location of 1604 Cherry Street. To accommodate growth, branch locations were established on the campus of Waterways Experiment Station, South Frontage Road Branch (2003), Clay Street (2006), Raymond (2010), Yazoo City (2012), and most recently Lakeover Road, Jackson (2020). In 2006, the Mutual Credit Union charter was adapted to open membership to all those who Live, Work, Worship, Volunteer, or Attend school in Warren, Hinds, Yazoo, Issaquena, Sharkey, Claiborne, and Copiah Counties.  

Mutual Credit Union was the fourth credit union in the United States to offer online account access and related internet services. We’ve grown from savings and membership accounts only to offering a full range of financial services paired with digital and electronic service options. Today, members of Mutual Credit Union enjoy access to CO-OP ATMs, one of the largest ATM networks in the United States. All Mutual Credit Union ATMs are full-service ATMs featuring deposit and withdrawal features. Mobile Deposit, Bill Pay, App and Digital Wallet features are available on all Mutual Credit Union spending accounts, as well as access to a full-suite card manager for both debit and credit cards. Featuring online account and loan opening, document signing, and a full suite of loan options from mortgages, to autos to rewards credit cards, Mutual is thrilled to be a digital champion expanding and meeting the needs of our members both near and far.  Mutual Credit Union President, Michael Mathews stated, “During my ten years at Mutual I have seen many things change.  One constant has always been the attention to service and responsiveness to our membership.  I am reminded daily of the great work our team does assisting members with their financial needs.  I look forward to what the future holds for our great organization.” 

The Credit Union Movement began in 1847 in Flammersfeld, Germany. The poverty of farmers and workers was so appalling that a cooperative savings institution allowing them to pool their money and make loans to each other was established. The popular idea spread across Europe and in 1900, the first credit union was organized in Canada. The first credit union to open its doors in the United States was the Caissee Populaire St. Marie known today as St. Mary’s Bank, in 1909 in Manchester, New Hampshire. With the passage of the Federal Credit Union Act in 1934, credit unions could be organized anywhere in the United States. During the Great Depression, while other financial institutions were closing their doors, credit unions demonstrated that ordinary people could organize and provide for their own financial security. Cooperative effort was, and still is, the key to credit union success.  

We look forward to all that 2021 will bring while reflecting on our dynamic history. We thank you for your continued support of the credit union movement here in your local community by being a part of Mutual Credit Union. Together, we can continue to embody the credit union philosophy of “People Helping People” in service and in spirit. 

For more information about Mutual Credit Union please follow this link to our webpage. For additional questions, please contact the marketing department at marketing@mutualcu.org or by calling (601) 636-7523 ext. 1226. 

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2021-2022 Mutual Credit Union Scholarship Committee NOW Accepting Applications

January 14, 2021

2021-2022 Mutual Credit Union Scholarship

(Vicksburg, MS): The Mutual Credit Union Scholarship Committee is pleased to announce the we are accepting applications for our 2021-2022 Mutual CU Scholarship. Every year, Mutual provides $10,000 in awards for the upcoming school year to recognize its members who have shown scholastic achievement and who are interested in advancing their education. We will award six (6) scholarships in the amount of $3000, $2000, (2) $1500, and (2) $1000 to High School Seniors who best meet the requirements.

The deadline to apply is Wednesday, March 31, 2021. A completed application package must be mailed or delivered by March 31, 2021 to the following address:

Mutual Credit Union • ATTN: Susan Mandarino • PO Box 25 • Vicksburg, MS 39181

It can also be emailed to smandarino@mutualcu.org or delivered to any of our branch locations. For additional questions or to request an application be mailed to you, please call 877-457-3654 ext. 1226 or email smandarino@mutualcu.org.

Mutual CU has a firmly-held belief that the education of our community’s youth is a solid investment in our community’s future. We wish the best of luck to all applicants and to each of our graduating seniors.

Hours of operation for all Mutual locations are Monday – Thursday 9 a.m. – 5 p.m. and Friday 9 a.m. – 5:30 p.m.; drive through services open at 8:30 a.m. Account access is also available 24/7/365 by visiting www.mutualcu.org, using the Mutual Credit Union app on your mobile device or by calling our SAM Audio Response System at 1-877-457-3654 Option 1.

For more information about the Mutual Credit Union Scholarship program, please follow this link to our webpage. For additional questions, please contact the marketing department at marketing@mutualcu.org or by calling (601) 636-7523 ext. 1226.

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Christmas Celebrations Apart but Together in 2020

Our Mutual Credit Union Christmas celebrations looked completely different than in years past. Our Mutual family looks forward every year to celebrating our challenges, achievements, and future missions together as we look to close out another year. However, this year, like so many others, we are split in many directions. Some are working at a distance, some are working at different branches, while others are multi-tasking from day to day either in or out of the office. Nevertheless, this is still a time of year for giving, celebrating, and cherishing our time together even while we are apart. In a way, uniquely Mutual, we planned a “Countdown to Christmas.” Each day leading up to Christmas, we featured fun and festive experiences to share together. We hope you enjoy this small taste of our “Countdown to Christmas.”

Tasty Sweets to Enjoy from our Christmas Cookie Recipe Exchange

Special Guest Appearance and Pep Talk by the One and Only, Jaleel White

Escape into the Winter Wonderland of Mutual CU Parade of Christmas Trees

Nothing Like a Healthy Lip-Syncing Competition, Christmas Carol Style

‘Tis the Season of Giving to Good Shepherd Community Center and Warren-Yazoo Behavioral Health

Who Down in Whooville is the Ugly Sweater Competition Winner!?!

Ashley Sampley, 2020 Ugly Sweater Competition Winner

Merry Christmas from our Family to Yours!

Hey College Students! Have You Seen This Scam?

December 2, 2020

by Ari Lazarus

Consumer Education Specialist, FTC

Scammers are targeting college students. In the last year, we told you about a car wrap scam and a COVID-19 scam hitting college students. Today, we want to tell you about a fake check scam.

In this one, a scammer posing as a professor sends you an email. It uses a college domain name and a format like your.name@collegename.edu. The scammer offers you a part-time job, like personal assistant or dog walker. Then, the scammer sends you a check, asks you to deposit it, send some of the money to someone else, and keep the rest as payment. A while later, the bank realizes the check was fake and deducts the original check amount from your account. So, if you deposited a $1,000 check, they’ll take that back. But if you sent $400 to someone else, you’re now out $400 of your own money.

People report losing a lot of money to fake check scams. The median loss in 2019 was $1,988. That’s a lot of money for anyone to lose. But an FTC analysis published earlier this year showed that people in their twenties are more than twice as likely as people over 30 to report losing money to fake check scams.

Fake Check Scams Infographic

So how do you avoid a fake check scam? Never use money from a check to send gift cards, money orders, or wire money to someone. It’s always a scam. And, once you send the money or put it on a gift card and give someone the gift card PIN, it‘s like giving them cash. It’s almost impossible to get your money back.

Banks have to give you money from deposited checks within a few days. But if the check turns out to be a fake, they’ll make sure they get that money back from your account. The bottom line is, if someone sends you a check and tells you to send money by wire transfer or gift card — it’s a scam.

Spotted a scam like this? We want to hear about it. Let us know at ReportFraud.ftc.gov.Blog Topics: Money & Credit

Save Money This Holiday Season With These DIY Gift Hacks

Love the holidays but hate the Santa sticker shock that follows? No need to spend your way into debt this Christmas. Keep costs down and make the holidays more meaningful by gifting your loved ones with personalized homemade presents. From pamper-me packages crafted with care, to home décor that costs just a few dollars, to home-baked goodies that say “I love you,” the sky’s the limit when you DIY! Here are 13 homemade gift ideas from across the cyber-verse to get you started.

Sugar cookie sack

Everyone loves pulling freshly baked cookies out of the oven, but who wants to bother with measuring and mixing all those ingredients? Make it easy for your loved one with this adorable sack of sugar-cookie mix. Decorate the sack to make it personal, and you’ll have a heartwarming gift costing less than $10.

Fleece blanket

Help your friends and family gear up for winter with a cozy fleece blanket. If you’re handy with a needle, you can design a deluxe version of this fuzzy piece of heaven; otherwise, keep it simple, sweet and oh, so cheap.

Pedicure kit

Has your friend been pining for a pedicure? Gift them with all they need to make their nails sparkle with a “for your mistletoes” nail kit! Fill a $7 Mason jar with polishes, filers, a buffer and everything else they need for a spa-at-home experience.

Wall clock

Dress up a flat circle of wood with some beautiful material, attach a clock kit and voila — homemade designer décor for just a few dollars! This clock makes the perfect gift for the friend who’s just moved into a new home or dorm room. Learn how to make your wall clock here.

Bubble bath gift set

Who doesn’t love a relaxing bubble bath? This gift makes it possible with a complete bubble bath kit, including chocolate, bath salts, a candle, soaps, a pouf and more. Learn how to create your own at Sugar and Charm.

Instagram picture frame

Round up your friend’s best Instagram snaps of the year with this creative desktop frame. This gift will make them smile all year long.

Infused vodkas

Flavor your own vodkas and give your friends a unique gift they’ll enjoy for days to come. Choose between classic flavors or experiment with brave new ideas, like spicy citrus and cucumber tarragon. Get the tutorial for infused booze here.

Money tree

Who says money doesn’t grow on trees? Give the gift of cash with an adorable holiday-themed presentation by rolling up stacks of bills into tree boughs. Learn how here.

Recipe box

This one is for the friend who dreams of starring on “Chopped.” Fill this personalized, decorated recipe box with their own best recipes and add a few new gems for their collection. They’ll think of you every time they cook up another storm. Check out Club Crafted to get the full tutorial.

Snowball bath bombs

Bath time is fun again with these peppermint-infused bath bombs! Package inside plastic ornaments for a real holiday treat.

Rainbow candles
We’re all spending more time at home these days, and what better way to light up a cold winter evening than with these gorgeous rainbow candles? All you need for these eye-catching creations is a bit of time and some old crayons.

Painted picture frames

Dress up dollar-store picture frames with colored chalk paint for the perfectly memorable gift. Learn how at Make Your Mark.

Reindeer gift card holder

This holiday-themed card holder is the perfect present for that friend who owns a collection of gift cards and needs a place to keep them safe. You can also use it to dress up a gift card and make it more personal. It’s made out of leftover toilet paper rolls and basic craft materials you likely already have at home.

Keep the stress out of the holidays this year with our DIY gift hacks. It’s all the shared love with none of the debt. Plus, creating these gifts will keep you busy as you ride out a quarantine or avoid crowded malls during these pandemic times. Who knew holiday gifts could be so much fun?

Your Turn: What’s your favorite DIY gift hack? Share it with us in the comments.