7 Tips To Not Exceed Your Holiday Budget

Here are 7 tips to not exceed your holiday budget.

7 Tips To Not Exceed Your Holiday Budget

1. Save Before You Spend

Follow the 50/30/20 rule: 50% for needs, 30% for wants, and 20% for Savings.

SAVE BEFORE YOU SPEND.

2. Make a List & Set Aside a Budget

Decide on the things you'll buy for the holidays. Listing them helps you plan better. PRO TIP: Don't forget to check your list twice!

MAKE A LIST AND SET ASIDE A BUDGET.

3. It's Okay to Say No

Not really important? Cross it out to make room for the more important ones on your list.

IT'S OKAY TO SAY NO.

4. Practice Smart Shopping

Shop early, compare quality and prices, use coupons, look for discounts, and avoid impulse buying.

PRACTICE SMART SHOPPING.

5. Trick Your Mind: Play Pretend

Thinking that you don't have money left to spend anymore (even if you do) might do the trick to avoid overspending.

TRICK YOUR MIND: PLAY PRETEND.

6. Look for Buying Alternatives

Such as do-it-yourself gifts (DIY), potluck dinners, and good deeds (ex: donations, helping others, etc.)

LOOK FOR BUYING ALTERNATIVES

7. Track What You Spend

Keep your receipts for later auditing, use a budgeting app, or check your online bank statement.

TRACK WHAT YOU SPEND.

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