The holidays are about joy, not stress. With a little planning, you can enjoy gift-giving without overspending. These simple steps can help you stay in control of your budget and keep the season merry and bright.
Create your budget
- Set a realistic total spending limit based on what you can afford
- Budget for gifts, wrapping, cards, postage, and supplies for making handmade gifts
- Allot a little extra for unplanned or last-minute needs
Decide who to buy for
- Write down everyone you want to buy for
- Prioritize close family and friends if your budget is tight
- Don’t feel pressured to buy gifts for everyone. Thoughtful cards are meaningful too!
Consider handmade gifts
- Baked goods, crafts, or photo gifts can be affordable and personal
- Handmade gifts often feel more thoughtful than store-bought ones
- Include a heartfelt note or message to make it even more meaningful
Stick to your budget!
- Before buying, look for coupons, discount codes, or free shipping offers to make your money go further
- Track the purchases you make
- Readjust your original gift idea if it’s now too expensive
By approaching the season with intention and a clear plan, you can stay on track and avoid the post-holiday financial hangover. Smart spending now means starting the new year with confidence and peace of mind.
