The holidays are feeling magical, and let’s be honest—we could all use a little extra magic this year. But with Christmas just 13 days away, the pressure is on. This year, we’re staying focused and refusing to let our financial goals get derailed. Here’s how to stay in control and set yourself up for a financially strong 2025.
The holiday season is full of joy, love, and let’s be honest—stress. Between finding the perfect gifts, traveling to see family, and hosting holiday dinners, it’s easy for your budget to take a hit. And while the holidays are special, starting the new year with financial regret isn’t exactly the vibe.
Here’s the good news: you don’t have to choose between enjoying the holidays and staying financially secure. A little planning and creativity can go a long way. Let’s talk about how you can keep your finances intact while still soaking in the magic of the season.
- Create a Holiday Spending Plan
It might sound boring, but trust me, having a spending plan is a game changer. Take a few minutes to write down everything you expect to spend money on—gifts, travel, party supplies, even those festive lattes. Then decide what’s realistic for your budget.
Breaking it into categories helps:
- Gifts
- Travel
- Meals and entertainment
And if something doesn’t fit, that’s okay! The holidays are about the memories, not maxing out your credit card. Maybe this is the year you skip the pricey holiday party dress and go for something already in your closet.
- Be Thoughtful, Not Expensive
Let’s face it—nobody remembers the price tag on a gift. What sticks with people is the thought behind it. Instead of splurging, try something personal: a handwritten letter, a homemade dessert, or planning a fun day out together.
For kids, experiences like a movie day or a trip to the park can be just as exciting as a new toy. And for adults? A simple, heartfelt gesture (like cooking their favorite meal) can mean more than anything store-bought.
- Avoid Holiday Debt
It’s easy to think, “I’ll just put it on my credit card and deal with it later.” But the truth is, starting the new year with debt hanging over your head is stressful. If you do use a credit card, make a plan to pay off the balance quickly.
A good rule of thumb: If you can’t afford to pay it off within three months, skip it. Prioritize what matters most and find ways to cut back elsewhere.
Don’t let holiday debt follow you into the new year. Book a 1:1 consultation to get a personalized plan for staying financially empowered.
- Keep Your Future in Mind
It’s easy to get caught up in the holiday cheer and forget about the big picture. But every financial decision you make today affects your future. Before you hit “buy,” ask yourself:
- Does this align with my long-term goals?
- Would this money be better spent saving for a house, an emergency fund, or my future self?
This doesn’t mean you can’t enjoy the holidays—just do so with your future in mind.
Ready to Take Control of Your Financial Future?
The holidays are the perfect time to set yourself up for success in the new year. Don’t wait for January!
- Join the Financial Empowerment Course: Learn more and enroll today.
- Book a 1:1 Consultation with Erin: Get personalized advice to map out your financial goals. Schedule your session here.
The holidays don’t have to derail your financial progress. With a little intentionality, you can enjoy the season while setting yourself up for a stronger, more empowered 2025.
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