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Money Matters Blog

Monday, October 17, 2011

Holiday Planning: Budget to Reduce your Holiday Stress

With holiday parties, family events, shopping and cooking, you may feel stressed as the holiday season approaches.  When it comes to shopping, you should plan ahead and set a budget to help you manage your money. 

Make a list. It’s never too early to start planning.  Brainstorm your gift ideas ahead of time. We all know it can be easy to window shop and purchase extra items during the holiday season. Making a list will help you stick to your plan.

Setting a budget is crucial.  A budget will help you feel less stressed and help you control the amount you spend. You can research different prices for your gift items.  Shop around but set a spending limit and stick to it.

Always check out sales. The day after Thanksgiving is a big day for sales, but if you want to avoid the crowds check out the sales online.  Some websites will offer deals similar to those in stores. You can stick to your budget and maybe even save more than you planned.

Apply for a credit card.  If you’re worried about not having enough money, use a credit card from Community Financial. Credit cards can be a great way to help you pay for your gifts later but remember your budget.  If you manage your credit card payments wisely you can build good credit.  Learn more on how to build good credit in our previous post.

You can enjoy your holiday shopping if you plan ahead and avoid unnecessary stress.  If you are in need of a little help, learn more about the Visa credit cards Community Financial offers. 

Posted by: Community Financial
Community Financial Members Federal Credit Union is a not-for-profit, full-service financial institution owned and governed by its membership.


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  2. Generally social shopping is sales tax free,it is required to charge you sales tax. In most states, consumers are required to pay tax on online purchases, mostly holidays shopping market is very high.