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It is no secret that the holiday season is rapidly approaching. It does not help with shipping delays across the country due to ongoing circumstances. The holidays are the best time of year! However, who said that this is the time to spend more than you should?

Christmas is a time where we want to show our loved ones how much they mean by gifting them something tangible and meaningful. Ever wondered how you could properly budget to ensure your Aunt, hair stylist and Mom get something under their tree this year

Make a list and check it twice

   But don’t think you’re stealing Santa’s job. Write down people who you would like to give gifts to. This way, you have an idea how much you are willing to spend on each person.

Wait for Black Friday/Cyber Monday Deals

This might be too obvious but it is always good to include. Check your favorite retailers to see what offers they will be having for Black Friday and Cyber Monday. Some places have started early and run for the whole month of November. The best shopping deals are always circled around Black Friday and Cyber Monday. If you are eyeing on something for Mom, now is the chance to see if there are special discounts.

Discount Stores are your friend

Who says that you have to shop and pay full price for items? Ditch the mall and you’ll be surprised what you might find in retailers such as Five Below, Marshalls, Ross Dress for Less, Burlington, HomeGoods and TJ Maxx. These locations are known for lower prices than our favorite department stores. To add, any local dollar store always has the best gifts for stocking stuffers!

Homemade is just as meaningful

Let’s get crafty! If you are into DIY, you might find creative gifts to send to your friends and family. Creating something one of a kind will truly warm any hearts of winter this holiday!

Who would say “no” to a gift card?

If time is not a luxury to you this holiday season, the best way to budget is to purchase gift cards. This way you can set each dollar amount to each gift card you purchase. Fun tip: If you have a Target RedCard, you can get 5% off gift card purchases. Overall, preparing for the holidays is stressful enough. Try not to add unnecessary stress by adding financial burdens with frivolous credit card purchases. Budget each person who you are willing to spend on and think of a plan. This way, you can have a financial stress free holiday.

Happy Holidays!