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How To Create A Christmas Budget So You Don’t Go Broke This Holiday Season
The holidays are quickly approaching and I know it has you feeling stressed!
Between friends, family, coworkers, and more, the pressure to spend tons of money each holiday season is ever rising.
Here’s the deal, though:
You can have an epic, stress-free, and affordable Christmas when you use these 5 tips to prepare your budget for the holidays now!
You’re gonna wanna:
- Evaluate your current budget
- Create A Savings Plan
- Be Frugal
- Start Early
- Collect Cash Back NOW
Let’s dive in!
1. Evaluate Your current budget
When’s the last time you budgeted your money?
To prepare your finances for the extra expenses that come around the holidays, get your budget on point NOW.
Download the Budget Boss Binder to quickly organize your finances and create a budget that will help you save money.
When you do this, you’ll be able to easily afford everybody on your Christmas shopping list!
2. Create a savings plan
Use a savings tracking printable, like the one below, to create a holiday savings plan.
Commit just $25 a week for a few weeks and you’ll have plenty of cash on hand for your holiday shopping.
SAVE $18 RIGHT NOW
When you act fast, you can download our best-selling Budget Boss Binder for only $9! But, quick! This deal ends tonight at midnight!
3. Be Frugal
Living frugally is beneficial all year round, but especially during the holidays.
4. Start early
When you start preparing for the holidays now, you won’t feel stressed later!
Take the time today to organize your finances and a savings plan in place so you’re prepared come last-minute holiday shopping.
You can also organize your gift list, to-do list, party ideas, and more with our 2019 Christmas Planner!
5. start collecting cash back now
Start earning cash back now that you can use for Christmas gifts, later.
These are the best apps for earning cash back without even trying:
With the cash bonuses from these apps, you can cross another person off your shopping list for free!
6. cut costs & put more money in your pockets
When you decrease your monthly expenses, you’ll end up putting more cash in your pockets each month.
So, take the time now to cut costs so you have more flexibility in spending for the holidays.
These are the best ways to decrease your monthly expenses to:
- Refinance your mortgage for a lower interest rate
- Begin paying your mortgage bi-weekly to pay it off quicker
- Get rid of cable (and WiFi if you have a mobile hotspot)
- Consolidate your credit cards into a personal loan with a lower interest rate
- Trade-in your current car (if you’re paying monthly for it) for a cheaper option
- Refinance your car loan for a lower interest rate
- Use Chime Bank’s car insurance tool called Gabi to compare rates and switch to the cheapest option
- Use Trim to negotiate lower prices for your cable, internet, and cell phone bills
- Refinance your student loans for a lower rate
- Switch to Mint Mobile to decrease your phone bill by over 50%
- Switch to Chime Bank to avoid monthly minimum fees, overdraft fees, and more
If you do just one thing on this list to prepare your finances for the holidays, let it be to decrease your current monthly expenses.
Not only with this help you tremendously in affording a kickass Christmas, but it will also benefit you all year long.
When you use these six tips to prep your Christmas budget now, you’ll be super prepared come the holiday shopping season!
’tis the season!
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