Start Early to Save on Holiday Spending

It seems like #summer ended just a few days ago (and it did). You’ve barely had time to adjust to the cooler weather, check the furnace for #winter or prepare for #Halloween. But the #holidays will be here sooner than you think — and you need a plan to keep your spending in check.

With inflation driving up prices on fuel, food and pretty much everything else, many Americans are getting ready for a frugal holiday. Three-quarters (77%) say they will adjust 2026 gift-buying in response to rising prices, the Penny Hoarder says, and half (51%) say inflation is driving “severe financial anxiety” about the end of the year.

To avoid overspending, establish a #budget. Come up with an ideal maximum spend and break it down by category: gifts, travel, food, entertainment and decorations. Figure out whether you’ll need to dip into your savings or finance purchases with credit cards, but try to avoid creating long-term debt just for the holidays.

For gifts, make a list of recipients and jot down a few ideas for each. Watch for sales and track prices on desired merchandise, but be forewarned that retailer discounts may not be as generous as in past years. Start shopping early, and be prepared to “pull the trigger” on reasonably priced finds to check off your list.

Fidelity Investments suggests looking to sources other than the big-box stores to find thoughtful gifts. Social media platforms, Etsy, #yard and #garage sales, discount stores, and the #thrift and #secondhand stores supplied by generous #donations to ClothingDonations.org can be valuable sources of unexpected and distinctive presents.

Also look to the #thrifts and discount stores for low-priced #holiday decorations and #gift wrap. Much of that paper will wind up in the #recycling bin anyway, so there’s no harm in sticking to the basics. Alternatively, consider making gift wrap, greeting cards and gifts to bring an extra-personal touch to the holidays.

Save on food costs by focusing on simple, seasonal ingredients and crowd-pleasing favorites instead of fancy feasts. For instance, if your go-to holiday meal is beef tenderloin (currently $28 per pound!), substitute something a little more humble such as pulled pork sandwiches or lasagna — things your friends and family will love, but don’t take a lot of money to put on the table.

The holidays are for togetherness — and that, you can accomplish on a #budget. #HolidayShopping

How to Defuse Holiday Stress

The #holiday season is in full swing. That typically means shopping, cooking, wrapping, visiting, hosting and any number of additional obligations. You might thrive on this kind of activity, or you might shrink from it — either way, you’re going to feel the #stress.

To defuse stressful feelings, don’t overcommit, says Dr. Kate Truitt. Know your limits and stick to them. Some people thrive with back-to-back-to-back parties, events and errands; others will burn out on that kind of “fun” fast. Keep plans loose to allow room for spontaneity.

Also, let go of external expectations. The idea of a “perfect” holiday is marketing in disguise, Mindful says. You might see a TV personality or social media influencer creating the most amazing holiday table, for example, and feel bad because yours could never measure up.

Dispel any worry about how things “should be,” and concentrate instead on simply being yourself, doing your best and being present. Try to appreciate what you have and avoid any comparison to someone’s airbrushed, stage-managed, Instagrammable version of the #season.

If seeing certain friends and family members brings stress due to personal or ideological differences, experts at Emory University say to set boundaries and focus on areas of connection. Redirect potentially volatile conversations to neutral topics and shared experiences.

If you simply can’t escape the rising tension, take a time-out. Go for a walk. Do some deep-breathing. Employ an exit strategy: “Sometimes, stepping away from a heated conversation is the best option. Use polite excuses like ‘I need to check on something in the kitchen.’”

Finally, never ignore self-care. Prioritizing others’ happiness at the expense of your own can lead to exhaustion and resentment. Remind yourself that you’ve done your level best to meet the season and that is going to have to be enough. Schedule time for your favorite “reset,” whether it’s a spa day, hike or movie night.

If #stress and #anxiety persist and you start to feel hopeless, drained or physically ill, you might benefit from help. Engage a therapist or other support. As Dr. Truitt says, “The best #gift you can give to yourself and your loved ones is the healthiest, happiest version of you.”

The Holidays Are Coming in Hot

It happens every year — no sooner do the leaves start to turn and suddenly, it’s the #holiday season. This year, however, the #holidays are coming in particularly hot, so you can strap in for a wild couple of months of entertaining, socializing and shopping.

If you think that calendar “creep” is getting worse, you aren’t imagining it. “‘Summerween’ became a July phenom, pumpkin spice lattés launched at Starbucks in August, and Hallmark kicked off its Christmas movie hype in September,” says the advertising blog Muse by Clios.

With the economy on shaky ground and inflation on the rise, advertisers are focusing on value. You may have less money, time and energy to spread around during the season, not to mention fewer days to shop after a late Thanksgiving. How will you handle the season without succumbing to stress?

First, manage expectations of yourself, says UC Davis Health. Don’t overschedule. Calendar events and list your responsibilities. Simplify travel plans to reduce the time spent in cars and airports. Take a break when you fell stressed from #shopping, #cooking and #cleaning.

To stay within budget, manage your gift-giving. You don’t have to spend money you don’t have or give every single person you know a gift. You may be able to make some of the gifts you give or #thrift a few items at a discount. Crafting or baking homemade goods might even become a holiday tradition!

Make a list and check it twice, says the American Bankers Association. Note the people for whom you plan to buy, what your price range is and a few ideas for gifts. Look for bargains on the targeted gifts and (try to) resist impulse buying onscreen and in stores.

The holidays are also a season for giving to charity. About 1 million #veterans nationwide rely on SNAP benefits, which were recently interrupted; you can #donate to the local food bank to help solve some of that food insecurity at least temporarily.

You can also schedule a #donation #pickup at ClothingDonations.org to benefit #veterans at any time of year. Your lightly used #clothing and #household goods will be resold to fund programs that target food and housing insecurity, veteran health care, and more.

We’re in the thick of the holiday season already, but don’t stress. Get #organized — sort out what you need to do and tackle those essential tasks one by one. Then, kick back and enjoy!

Practicing Ecofriendlty Consumerism

#Holiday shopping is in full swing, and that may have many readers spending not-insignificant amounts of money in an attempt to check everyone off their #gift lists. While getting with the spirit of the #season is a worthy goal, buying all of that #stuff has an impact.

U.S. #holiday spending is expected to grow to nearly $1 trillion in 2024 — a truly staggering amount. And while some of that spending will result in great #gifts and cherished memories, Americans generate 23% more waste in December, according to the Center for Biodiversity.

Many of those gewgaws you select take considerable resources to manufacture and ship, and most will eventually wind up in landfills. Many will contribute to household #clutter. That’s why it’s important to practice #ecoconscious consumerism.

Consider buying (and requesting) secondhand gifts, Business Insider suggests. Buy Nothing groups can help locate quality used toys and clothing, and the #thrift stores stocked by generous #donations to ClothingDonations.org are overflowing with one-of-a-kind finds.

Another way to spend sustainably is to give experiences rather than hard goods. Tickets to sporting events, concerts and the theater make thoughtful gifts, and add to the excitement by creating a whole new outing. A gift certificate for a personal care service such as a massage or manicure pampers without creating a lot of trash. Many of these services are local, meaning that you’ll support your community with real dollars and limit the carbon footprint required to manufacture and ship merchandise.

Even a gift card is an ecofriendly gift idea when you don’t know exactly what to get and don’t want to give something that will just get tossed. Americans wasted an estimated $9.1 billion on holiday gifts that were exchanged, sold or thrown away in 2023, according to Finder. Another way to limit your environmental impact is to limit the use of disposable gift wraps. Although festive, they contributes to waste; consider reusable bags or get creative with fabric wraps instead.

You can have a fantastic holiday while creating less #trash. It take a little forethought, but your efforts will pay off with less indoor clutter, a healthier #earth, and good cheer among family and friends.

Make Your Favorites for the Holidays

While Thanksgiving has a number of traditional must-have dishes, #Christmas, #Hanukkah and the other December #holidays are more open to interpretation. Town & Country suggests a range of “iconic” recipes for main courses such as glazed ham, prime rib and Beef Wellington, as well as sides such as candied yams, roasted Brussels Sprouts and glazed carrots. Not feeling a feast? Just make a variety of finger foods, a charcuterie platter or a crock pot of hot soup; there’s bound to be plenty of visiting and gift-giving going on to keep the family busy, not to mention numerous platters of cookies. There’s really no wrong way to do the holidays! #HomemadeHolidayFavorites