We asked five financial educators how they personally navigate the season and still keep their finances intact—and how you can, too.
For Ryan Decker, surviving the holiday shopping season is all about planning ahead. In fact, if he sees a gift for one of his two young sons in March, he’ll go ahead and buy it, instead of rushing through his shopping list in December.
“It very much eases the burden,” he says, making his December bills more manageable because he spreads holiday costs throughout the year. Part of that strategy means limiting purchases to what she can comfortably afford out of savings instead of turning to credit card debt, Whelan says. “One of the ways we can use our limited resources to maximize our happiness is to pay now, rather than get socked with a credit card bill in February, which undermines our financial and emotional well-being.”
The DIY strategy also applies to kids. Says Whelan: “I’m encouraging my kids to give coupons for in-kind gifts instead of things. Kids can give a card for walking the dog or other chores, cooking dinner for the family, even if it’s just pasta or babysitting. It trains kids to think about other people rather than just buy their way out of a gift.
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