The last three months of the year can make or break your financial progress. Fall Break trips, Halloween, Thanksgiving travel, and then Christmas, Hanukkah, or other traditions your family celebrates. The calendar fills up fast and so does the spending.
On top of that come birthdays, school activities, family gatherings, and all the little extras that sneak in. By the time January rolls around, many families feel like the progress they worked so hard for all year has slipped away.
The Emotional Cost of Overspending During the Holidays
It is not just the money. The stress of these months can create tension at home and make it hard to enjoy time with the people you love most.
A busy calendar combined with constant spending often leaves families feeling drained, discouraged, and already behind before the new year begins.
Be Intentional With Your Holiday Financial Planning
Here is the good news. You can enjoy the season and protect your financial progress. The key is to be intentional now, not wait until December to figure it out.
Start by asking:
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How much will you need for the October festivities?
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How much will you need for Thanksgiving?
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How much will you need for the December holidays, such as Christmas or Hanukkah?
Even beginning to put numbers on paper will help you see what is realistic. From there, breaking it down paycheck by paycheck can give you a clear plan and a lot more peace of mind.
The goal is not perfection. The goal is to be intentional.
How Holiday Financial Planning Can Help You Start January Strong
A little planning today can prevent the stress of swiping a credit card in December and dealing with the fallout in January.
A holiday financial planning strategy for these last three months can be the difference between starting January stressed or starting January strong.
Need Help With Your Holiday Financial Planning?
If you want help creating a plan that works for your family, I would love to talk with you. Together, we can create a clear path through the holidays so you can enjoy the season without undoing your progress.
