7 Ways to Prepare for Holiday Shopping


The holiday season is a wonderful time of year, and a hectic time, as well – particularly when it comes to shopping.

Some consumers have already begun buying holiday gifts; others may not yet have begun. Before heading out to begin or continue your shopping, Victory Sate Bank posits you can save time and money by planning ahead.

With this in mind, Staten Island’s only community-based business bank is sharing the following seven tips from the New York State Department of State Division of Consumer Protection:


§  Create a shopping list and determine your budget.


§  Take a look at store advertisements before going out.


§  Consider using a layaway plan to support your holiday budgeting. Paying over time allows you the opportunity to avoid the holiday credit hangover.


§  Don’t skimp on safety.


§  Be creative and consider making gifts and cards.


§  Shop locally and save on gas.


§  Check with your credit card company to see if they offer extended warranties when using their card.




About Victory State Bank

VSB Bancorp, Inc. (OTCQX: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. A planned sixth branch, to be situated in Meiers Corners, has received both regulatory and building department approvals. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online at www.VictoryStateBank.com.


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