11.17.2025 By Amy Miller, AFC®

Cheers to a Joyful, Debt-Free Holiday Season

Thoughtful planning and intentional gifting help ensure your holiday season is joyful without the stress of debt in the new year.

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The holiday season is in full swing, and we hope your celebrations are filled with connection, tradition, and joy- and that your finances are staying on track, too.

As we wrap up November, let’s take a moment to reflect on purposeful spending. The holidays are about more than gifts; they’re about meaning, memories, and the people we share them with. Thoughtful planning and intentional gifting help ensure your holiday season is joyful without the stress of debt in the new year.

Celebrate Your Wins

No matter how small the step, celebrate it! Every intentional choice is a win for your financial wellness.

Keep Purposeful Spending in Mind Throughout the Holiday Season

As we move through the end of the year and the rest of the holiday season, remember that how you spend matters just as much as what you spend. Keep purposeful gifting at the heart of your celebrations:

  • Choose meaningful gifts and experiences that truly bring joy.
  • Track your spending to stay aligned with your plan and values.
  • Give thoughtfully, not just because there’s a sale or it’s “what you’ve always done.”

Small, intentional choices now can help you start the new year with peace of mind, and maybe even a little extra savings.

Your Tips Can Inspire Others!

We’d love to hear your advice and experiences. Share your Holiday Spending Saver Tips with the America Saves community. Your story could help someone else enjoy a meaningful, debt-free holiday season. Take the America Saves Pledge to continue building savings habits that last well beyond the holidays.

Here’s to a joyful, purposeful, and debt-free holiday season!

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