Smart Budgeting Tips for the Holidays Contributed by TRUE Community Credit Union

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The holidays bring joy, traditions, and togetherness—but they can also create financial stress if you’re not prepared. A thoughtful holiday budget helps you celebrate without overspending or facing a post-season money hangover. Here are some tips to keep your finances merry and bright:

Start with a Spending Plan

• Set a total budget: Decide the maximum amount you can afford to spend overall. The general rule of thumb is no more than 1% of your annual income for holiday expenses.

• Save early: Even small weekly deposits into a holiday fund add up by December.

• Track spending in real time: Use digital banking tools or budgeting apps. You can find a free, fillable, and reusable holiday budgeting worksheet from our partners at GreenPath Financial Wellness at TRUECCU.com.

Shop Smart

• Expect surprises: Budget a small cushion for unplanned expenses (extra gifts, shipping costs, etc.).

• Plan meals: Hosting? Create menus in advance to avoid costly impulse buys at the store.

• Decorate on a budget: Reuse what you have, swap with friends, or look for secondhand treasures.

Keep the Spirit Focused

• Remember, experiences matter: Spending time with loved ones often means more than expensive gifts.

• Give the gift of service: Acts of kindness or shared activities can be be priceless.

With a little planning and mindful spending, you can enjoy the holidays without financial stress. By setting a budget, tracking expenses, and focusing on what truly matters, you’ll keep both your wallet and your holiday spirit full.