Airing weekdays at 7:30 A.M. on

Airing weekdays at 7:30 A.M. on

Ah, the holidays—the season of comfort, joy, and spending lots of money. Budgeting during the holidays doesn’t mean staying home and skipping on fun celebrations. Here are six budgeting tips to help you enjoy the holiday season without blowing through your entire savings.

  1.  Evaluate Your Finances

Before making any holiday-related decisions, take a minute to check in on your finances. How much are you spending on a regular basis? How much are you saving each month? Understanding your general financial well-being is a great habit to get into. It will help you be realistic (and responsible) about how much you’re able to spend this holiday season.

  1. Check Your Credit Card

Credit cards often come with great benefits such as cash back, bonus points, and more. If you already have a credit card, do a thorough scan of what your card offers.

  1. Make A List and Check It Twice

When it comes to gift-giving, it’s easy to get caught up in the holiday spirit and overspend. That’s why setting a budget beforehand is crucial. To help you stay within your budget, list out the primary people you intend to buy gifts for, as well as the amount you want to spend on each person. 

  1. Shop the Sales

After inventory issues during the pandemic, a lot of stores are now overflowing with too much product and are slashing prices to clear things out. This is on top of standard seasonal sales like Black Friday, Small Business Saturday, and Cyber Monday. Whether you’re looking for more affordable gifts or new additions to your holiday wardrobe, these early-season sales will often get you good prices on bigger ticket items you’ve been eyeing.

  1. Reduce, Reuse, And Recycle

Gifting doesn’t always mean buying a “physical thing.” An alternative (and cost-effective) idea is to donate to a good cause in the name of your recipient. You can also save a few dollars with unique thrifted items, regifted items like books you loved, or DIY gifts based on your hobbies. Remember—When it comes to gift-giving, it is always the thought that counts.

  1. Go Gift-Free

Speaking of being “thoughtful!” Like we mentioned above, the holiday season isn’t about the physical gifts we give or receive. It’s about the quality time spent with our loved ones, and the memories made together. Instead of spending on presents, use that amount (or ideally less) to create fun experiences. Go ice skating with a bunch of friends, have a cozy holiday movie marathon, raid each other’s closets, or paint each other’s nails instead of going to the salon. Make kits for those in need, host a book or cookie exchange, try new holiday recipes, make seasonal cocktails at home. Gifts are great, but memories last a lifetime.

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