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TIPS TO AVOID A HOLIDAY SPENDING HANGOVER





DECEMBER 7, 2021

You can survive the season without suffering a fiscal holiday hangover. By
examining the reasons for overspending, planning how much you’ll spend, and
identifying what's important to your family, you can rein in your spending and
rediscover the joy of the holidays.

EXAMINE YOUR MOTIVES

What fuels the gift-giving mania? Tradition strongly influences holiday spending
habits. If your family always broke the budget to buy presents for every
relative, odds are you'll carry on the practice. So even though you haven't seen
Aunt Connie in five years, you buy her a gift. Then there's the time factor.
People's lives are busier than ever before. Decades ago, we used to make gifts
at home. Now we just buy it all because it's easier. Hectic schedules may
prevent us from shopping until the official rush begins after Thanksgiving. By
then, we're battling throngs of shoppers and racing through town looking for
something, anything, for people on our list.

Malls cater to our desperation; witness the appearance of countless specialty
stands and calendar kiosks that appear only during the holiday season. Their
easy access encourages impulse buying.

Credit also is a prime culprit. Department stores try their best to add one more
credit card to your wallet by offering a 10%, one-day shopping discount. But
it's a deceptive bargain. Since department store cards charge high interest
rates, if you carry over the balance into a second month, you'll eliminate the
discount you got.

Spend some time planning and budgeting before you start your holiday shopping
spree.

1. Evaluate how much you can spend. What was the final bill last year? Too much?
Estimate how much you can comfortably save between now and the holidays (or what
you can pay off quickly afterward) and set that as your limit.

2. Start saving money earlier in the year. Build it into your regular budget as
a periodic expense set aside for the holidays. Consider establishing a separate
credit union savings account for holiday purchases. The more money you save, the
fewer purchases you'll have to charge on credit cards.

3. Set a holiday budget. Holiday spending goes beyond gifts. There are
decorations, postage, extra food, etc. Organize expenses into categories and if
your total exceeds what you can afford, prioritize the purchases, and cut back
where you can.

4. Start your gift list early. Planning ahead will help you avoid costly impulse
spending.

Previous Post Previous: What Is Compound Interest?
Next Post Next: Watch our Journey To Financial Wellness Seminar


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