5 Holiday Mistakes That Could Cost You

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It's the Holiday Season! 🎄

During this wonderful time of year, I want to take a minute to say how grateful I am for each and every one of our members! You are all family to us.

My family and I always enjoy visiting the Garden Lights, Holiday Lights at The Atlanta Botanical Garden, and watching our favorite holiday movies Home Alone, Christmas Vacation, A Christmas Story and The Grinch together. I hope you enjoy this season and all of the excitement that comes with it.

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5 Holiday Mistakes That Could Cost You

While the holidays are about quality time and making memories, it’s easy to get caught up with spending money. Here are five holiday mistakes to avoid this year so you can enjoy the season with your finances intact:

1. You’re shopping without a budget or list.
One of the biggest financial mistakes you can make during the holidays is shopping without a spending plan. Create a budget for your holiday spending. Once you know how much you can afford to spend, create a list that fits your budget. This way, you’ll be able to purchase the items you plan for and know for sure that you didn’t bust your budget.

2. You’re volunteering your home, food, and car to everyone.
Consider splitting the responsibilities with your friends and family. You can suggest hosting a potluck style gathering this year. With a potluck, each guest is responsible for bringing at least one dish, beverage, or party supply. At a minimum, you’ll save money on food and drinks. Splitting responsibilities will help you enjoy the holidays without being completely stressed out.

3. You’re shopping too late.
Start your shopping early so you can snag deals while they’re still available. Some stores offer price matching, so keep that in mind as you start shopping and placing your online orders. Shopping early will give you time to figure out what you actually need and get those items at the best price. When you wait until the last minute, you’re much more likely to bust your budget because you’ll just be rushing to cross people off your list instead of specific items that fall within your budget.

4. You’re relying on your credit cards.
Do your best NOT to rely on your credit cards during the holidays. Enjoy the holidays in a way that doesn’t destroy your finances. This year, make it a goal to spend quality time.

5. You’re trying to keep up with the Joneses.
Don’t make the holidays a competition about who can wear the most expensive clothes, buy the flashiest gifts, or serve the swankiest dinner. Make the holidays about creating lasting memories and enjoying time with your loved ones, or simply yourself.

*Content provided by AmericaSaves