December 2025

The holiday season is a time for celebration, reflection, and time spent with the people who matter most. But for many UAW families, it can also bring financial stress as we try to balance gift-giving, gatherings, travel, and everyday expenses.

As your Financial Secretary-Treasurer, I want to share a few practical strategies to help you protect your budget, reduce stress, and enjoy a more meaningful and financially confident holiday season.

1. Set a Realistic Holiday Budget—And Stick to It Before the holiday rush begins, take a few minutes to write down how much you can comfortably spend, who you plan to buy for, and any additional holiday expenses. A budget is not a restriction—it's a roadmap to a stress-free holiday.

2. Use Cash or Debit to Avoid Seasonal Debt Using cash or debit keeps spending grounded and helps prevent high-interest debt in the New Year. If using credit, choose the lowest interest card and plan to pay it off quickly.

3. Take Advantage of Union Resources UAW families support one another. Many locals offer holiday support programs such as food baskets, toy drives, or hardship assistance. If help is needed, reach out—our union is strongest when we lift each other up.

4. Shop Smart: Compare Prices and Avoid Impulse Buys Compare prices, check coupons, and wait before making larger purchases. Small smart decisions add up to big savings.

5. Give Meaningful Gifts—Not Expensive Ones Homemade gifts, photos, or experience-based presents can be more meaningful than costly items.

6. Plan Ahead for Next Year Setting aside even a small amount each month can build a comfortable holiday fund for next year.

7. Take Care of Your Mental and Emotional Well-Being Financial stress affects more than the wallet.

Prioritize rest, connection, and simplicity this season.

A Final Message to Our UAW Families. As UAW members, we face challenges together and support one another through every season. My commitment as your Financial Secretary-Treasurer is to provide guidance and stability year-round.

Happy Holidays from my family to yours.

Heather