Plan Ahead for Holiday Spending

Use these budget strategies to enjoy the season without overspending.

The holiday season is one of the most joyful—and expensive—times of the year. Without a plan, it’s easy to overspend and feel stressed come January. The good news? A simple budget can help you stay on track.

Get Started

Start by listing your holiday expenses: gifts, travel, food, décor, and events. Then, compare that to what you can realistically afford. Using a budget template helps you visualize where your money is going and make adjustments before you spend.

A few smart strategies include:

• Set spending limits per person or category
• Take advantage of sales and rewards points
• Use cash or debit for discretionary purchases to avoid debt
• Track spending weekly so surprises don’t sneak up on you
• Open a Croghan Holiday Savings to put money aside for next year’s holiday spending

 

With thoughtful planning, you can enjoy the season’s celebrations without financial regret.