Budgeting Now for a Stress-Free Holiday Season

The holiday season should be about joy, not financial stress. But without a plan, extra spending on gifts, food, and travel can quickly add up—and leave you with bills long after the celebrations are over. The good news? Starting early gives you time to prepare.

• Set your holiday budget now. Decide how much you can comfortably spend and write it down.
• Make a gift list. Planning ahead helps avoid last-minute shopping sprees that often cost more.
• Save a little each week. Even $20/week in October and November can give you a cushion by December.
• Choose cash or debit when possible. It keeps spending in check and helps you avoid extra credit card debt.

A little planning today means a more relaxed and enjoyable holiday tomorrow. And remember—EducaCU is here to support your financial wellness year-round, with tools and resources to help you stick to your goals.

Posted by Maggie Latham in Financial Wellness.