Last Minute Christmas Budget πŸŽ„(+ free printable!)

Who waits until the last minute to do their Christmas shopping? πŸ™‹πŸ»β€β™€οΈπŸ™‹πŸ»β€β™€οΈπŸ™‹πŸ»β€β™€οΈ hint: I do! If you’re like me, your credit card will be as full as your stomach was on Thanksgiving. This is so easy to avoid if you know the tools to do it. If you want to get serious with your Christmas budget, follow these four steps to prevent a holiday spending hangover:

1. include everyone

Before you set out to the store, write down everyone on your list that needs gifts. And yes, I do mean everyone. Even if it seems like a small dollar amount, it is imperative you put the name down because small gifts can add up. You may entirely forget about your cousins' sister-in-law who you love and want to include. Taking 15 minutes to write down a list of everyone you need buy gifts for can save you tremendous time, energy, and money. Doing the work up front will be worth it.

2. ASSIGN A DOLLAR AMOUNT

After you down your names, assign each individual a dollar amount for their Christmas gift. Assigning a dollar amount to each can seem a little yucky to do at first, but it will pay off in the end. If you stick to a specific dollar amount for your children, significant other, and parents, you will not be shocked by the amount of money you have spent come New Year's. You may even avoid the "spend less money item" as a resolution! Do yourself a favor and assign a dollar amount.

3. LEAVE THE STORE!

Once you have your name and dollar amount tied down, head to the store to pick up items that fit the monetary amount assigned. The true trick is LEAVING the store once you have what you came for. It is inevitable that you will see something you will be tempted to buy or think this small gift β€œwould be just perfect for someone you know!” this is why you need to write down everyone so you can avoid impulse purchases. Forcing yourself to leave will keep you on track and happy once the season is over. If you find that you cannot go to the store without picking something up, try online shopping. This can lead to overspending too, I know! But my clients have had success trying this instead of the store. There doesn't seem to be as frequent impulse purchases.

4. GIVE OF YOURSELF

Finally, if you cannot afford to give gifts this year, there are so many other ways to give back this Christmas season. Your community is full of opportunities to spread Christmas cheer instead of money you don't have. Giving of yourself puts your financial problems in perspective and helps you see that it isn't all about the dough.

5. REMEMBER THE REASON FOR THE SEASON

Christmas is not all about gifts. Don't beat yourself up if you can't afford flashy gifts this year or think to yourself that your family won't have a great Christmas if you don't overspend. You can still have a fulfilled and happy Christmas without all the extra stuff. It may bring your family closer remember why you are celebrating in the first place.

6. FREE PRINTABLE :)

If you are still needing some help and WANT to stick to a budget this year, I've created a free printable for you! Fill out your information below, and you will receive a copy to your email address:

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