The holidays are a magical time of year — full of family, food, giving, and joy. But let’s be honest, they can also take a toll on our wallets if we’re not careful. Between gift lists, travel, decorations, and festive outings, it’s easy for the spending to sneak up on you.

The good news? With a little planning now, you can enjoy the season and keep your finances in good shape.

1. Make a plan before the spending starts.

Grab a cup of coffee and jot down what you know you’ll be spending on — gifts, travel, parties, the works. Then set a realistic number you’re comfortable with. It doesn’t have to be perfect, but having a plan keeps you from wondering, “Where did all my money go?” come January.

2. Create your gift list early.

It sounds simple, but writing down who you’re buying for (and how much you’ll spend on each person) really helps. Thoughtful doesn’t have to mean expensive — a homemade treat, a framed photo, or an experience can often mean more than something flashy from the store.

3. Be mindful with your cards.

It’s so easy to swipe and forget. If possible, use a debit card or cash for most purchases so you can see what’s actually leaving your account. If you love earning points or cash back on a credit card, that’s fine too — just plan to pay it off right away.

4. Take a look at your big-picture finances.

While you’re organizing your holiday budget, take a few minutes to check in on your bigger financial goals. Are you saving what you want for retirement? Do you have an emergency fund? Reviewing your overall plan now means you’ll start the new year strong — and maybe a little less stressed.

5. Focus on what really matters.

The holidays are about connection, not comparison. The laughter around the dinner table, the joy of giving, the quiet moments with loved ones — those are priceless. When you keep that in focus, you’ll naturally make choices that align with your values (and your budget).

With a few intentional steps, you can celebrate the season with less stress and more joy — knowing your finances are just as ready for the holidays as you are.

Eric Berner is a Financial Advisor with Rock Castle Wealth Advisors. He helps Middle Tennessee families build confidence and clarity in their financial future. Learn more here.

Photo Credit: White House Chamber of Commerce (Honey Run Boutique, Jingle Mingle 2025)