11.01.2025 By Amy Miller, AFC®

Let’s Talk Holiday Spending

A little preparation now can help you enjoy the season without the burden of debt following you into the new year.

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Holiday

The holiday season is often filled with joy, traditions, and celebrations, but it can also bring financial stress if spending gets out of hand. That’s why November is the perfect time to start planning ahead for holiday expenses. A little preparation now can help you enjoy the season without the burden of debt following you into the new year.

Plan Early, Stress Less

Many of us underestimate how quickly holiday costs add up - gifts, travel, meals, decorations, and more. By starting early, you can create a realistic plan and avoid those last-minute splurges that often lead to overspending.

Think about what matters most to you this holiday season. Is it family gatherings, thoughtful gifts, or experiences? Once you identify your priorities, you can allocate your resources in a way that feels both joyful and financially sustainable.

 Your Holiday Spending and Savings Plan

To help you stay on track, America Saves created the Holiday Spending and Savings Plan. This simple tool allows you to plan your holiday purchases, track what you’ve already spent, and keep your budget front and center. Whether you’re a spreadsheet fan or prefer pen and paper, the tracker makes it easy to see where your money is going. Download the Holiday Spending Tracker here.

 Avoid Holiday Debt

The best gift you can give yourself this year is a holiday season that doesn’t follow you into January with bills and credit card balances. When you stick to your plan, you can focus on enjoying time with loved ones instead of worrying about financial strain.

Let’s make this holiday season about more joy and less stress. With a plan in place, the right tools, and a commitment to yourself, you can celebrate without the debt hangover.

Take the America Saves Pledge

As you prepare for the holidays, consider taking the America Saves Pledge. By making a simple commitment to yourself to save and spend purposefully, you’ll gain ongoing support and helpful reminders to stay on track.

We want to hear from you! Share your Holiday Spending Saver Story! Tell us how you’re planning, what strategies you’re using, or creative ways you’re making the season meaningful without overspending. Your story might inspire someone else to take control of their holiday spending, too. (We’ll send you a $50 gift card as a Thank You if we use your submission!)

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