Smart Saving, Simple Gifting: Make the Holidays Easier with These Tips
The holidays don’t have to drain your wallet, or your energy. A little planning and a few smart tweaks can make this season feel lighter, more meaningful, and easier on your budget. Here are some simple ways to save money while still sharing thoughtful gifts with the people you care about.
Plan Ahead and Set a Holiday Budget
Start by deciding what you can comfortably spend. Break your budget into categories —gifts, food, travel, decor—so nothing catches you off guard. Even setting aside a small amount each week can make a big difference. If you want a simple way to prepare for next year, consider opening a Holiday Share Savings Account, which helps you save gradually and stay ahead of seasonal expenses.
Shop Smart with Sales
It’s helpful to look for deals early, often, and compare prices online to avoid overspending. Set alerts on your favorite shopping sites, or sign up for emails and texts, so you know when another sale hits. Planning ahead protects you from last-minute shopping, which is when overspending is most likely to happen.
Give Simple, Practical Gifts
Not every gift needs to be extravagant. In fact, many people appreciate something they can truly use. A few easy, budget-friendly ideas include:
Homemade treats or recipe kits
A framed photo or memory box
Cozy items like socks, candles, or blankets
“Experience” coupons such as a movie night, pet-sitting, or help with errands
If you want a gift that’s flexible and always appreciated, our VISA Gift Cards make great stocking stuffers and are perfect when you’re not sure what someone needs.
Give the Gift of Savings
Want to give your children or grandchildren a gift that lasts longer than toys or gadgets? Consider giving a Share Certificate through a PUTMA account. Learn how you can create an irrevocable gift that grows over time, helping build a strong financial foundation. Instead of a gift that’s quickly forgotten, you’ll be giving something that truly lasts.
Keep the Season Simple
At the end of the day, the best holidays are built on connection, not cost. Thoughtful gifts, smart saving habits, and a little planning can help you enjoy the season without financial stress.