{"id":45615,"date":"2023-09-25T07:17:09","date_gmt":"2023-09-25T14:17:09","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=45615"},"modified":"2024-10-08T14:57:27","modified_gmt":"2024-10-08T21:57:27","slug":"take-control-holiday-spending-now","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/personal-finance\/take-control-holiday-spending-now","title":{"rendered":"3 Ways to Take Control of Holiday Spending Now"},"content":{"rendered":"\n

Surprises are a hallmark of the holidays. Discovering you can\u2019t cover your bills shouldn\u2019t be one of them.<\/p>\n\n\n\n

Instead of leaving it up to chance, there are things you can do now \u2014 making a budget, matching your purchases with your priorities and being creative when spending \u2014 so you can start 2024 in a position of financial power instead of in a financial pinch.<\/p>\n\n\n\n

Holiday expenses are a burden for most people<\/h2>\n\n\n\n

If you feel financially strained or find yourself in debt at the end of the year, you\u2019re not alone.<\/p>\n\n\n\n

Nearly 3 in 5 Canadians who shopped last holiday season (59%) incurred credit card debt for those purchases; among them, about a third (32%) have yet to pay off that debt fully, according to a survey of over 1,000 Canadian adults conducted by The Harris Poll on behalf of NerdWallet Canada.<\/p>\n\n\n\n

We get it \u2014 the holidays can be hectic, emotional and filled with a million nudges to take out your wallet. In the face of those pressures, it might feel \u201ca lot easier to just spend, put it on credit, and figure it out later,\u201d Jessica Moorhouse, a financial educator and host of the More Money Podcast, said in an email.<\/p>\n\n\n\n

The roots of overspending often go deeper than mindless capitulation to the trappings of the season. Maybe you\u2019re part of a large family and feel compelled to buy gifts for everyone, which can add up quickly. Maybe the flight home that once cost $300 suddenly costs $500. <\/p>\n\n\n\n

You can\u2019t control every circumstance, but some preparation in the months before the holidays can save you real money.<\/p>\n\n\n\n

1. Make a list, check it twice<\/h2>\n\n\n\n

Start by making a budget<\/a> instead of a wishlist. To be clear, a budget is the total amount you can spend \u2014 not the cost of all the things you\u2019d like to buy.<\/p>\n\n\n\n

Whatever the number, you should be able to answer a simple but important question about it, according to Natasha Knox, a Vancouver-based certified financial planner and founder of Alaphia Financial Wellness: \u201cHow are you arriving at that dollar amount? Like, where is the money coming from?\u201d  <\/p>\n\n\n\n

In other words, a budget isn\u2019t aspirational; it\u2019s simple arithmetic. If you want to spend $500 on gifts, you should be able to identify $500 in income that will cover them \u2014 the math must add up. <\/p>\n\n\n\n

That could mean saving about $40 per month all year. It might mean saving $100 each month beginning in September. Or, if you have slack in your monthly budget \u2014 meaning that you don\u2019t already use every dollar that comes in \u2014 you may already have enough saved away. The point is to have a plan to accumulate the money before you spend it. <\/p>\n\n\n\n

\u201cSometimes people might resist budgets because they feel like it’s taking away their autonomy,\u201d Knox says. But \u201cadhering to a spending plan that you created is actually spending it how you want, when you want. It’s like \u2018future you\u2019 and \u2018current you\u2019 are agreeing. Whereas, if you don’t adhere to a spending plan, \u2018current you\u2019 is spending how you want, when you want, but \u2018future you\u2019 is like, \u2018Seriously? What did you just do?\u2019\u201d <\/p>\n\n\n\n

Once you have a budget, make a list of all the things vying for your holiday dollars. Here\u2019s a no-brainer: gifts. Travel, too, if that\u2019s in your plans. But stealthier expenses can quickly wreck your budget if you don\u2019t account for them. An extra dinner or two out with friends. A new outfit. Holiday gifts for a child\u2019s teacher, or tips for your hairstylist or dog walker. <\/p>\n\n\n\n

\u201cI personally like to make a spreadsheet, have my total budget set, then break that budget down per person,\u201d wrote Moorhouse. \u201cThis way I\u2019ve given myself a clear limit on how much I\u2019m going to spend and it honestly forces me to try to find deals or coupon codes to get what I want for the price I am comfortable with.\u201d<\/p>\n\n\n\n

2. Have courageous conversations<\/h2>\n\n\n\n

Making a list of planned purchases is a good practice. But try going deeper; ask why you\u2019re spending money in each instance. <\/p>\n\n\n\n

\u201cMake sure that your holiday season reflects what your core values are,\u201d Knox says. \u201cFor some people, that may be a time to explore questions like, \u2018hey, are we just buying stuff for the sake of buying stuff?\u2019\u201d<\/p>\n\n\n\n

Aligning your spending with your values can reveal places to cut back and save \u2014 and bring satisfaction when you affirm that you\u2019re spending on things that actually matter to you.<\/p>\n\n\n\n

This exercise might require what Knox calls \u201ccourageous conversations.\u201d That could mean talking about spending with a partner<\/a> who has a different outlook on money. It could mean having a group conversation with friends or family about putting a dollar-limit on gifts.    <\/p>\n\n\n\n

\u201cAlthough it may seem difficult to broach the subject at first because talking about money can be uncomfortable, it will make more people at ease because remember, you\u2019re likely not the only one worried about money or having to stick to a strict budget,\u201d Moorhouse said.<\/p>\n\n\n\n

3. Get creative<\/h2>\n\n\n\n

Once you have a plan in place, it\u2019s time to get to work saving and shopping. Use these tips to stretch your dollars even further. <\/p>\n\n\n\n

Use a high-interest savings account (HISA) to boost savings. <\/strong>Put your money to work while it waits for shopping season. Compare what you currently earn to the best HISA interest rate to see if you could earn even more. <\/p>\n\n\n\n

Get rewarded for shopping strategically. <\/strong>Credit card rewards<\/a> can help you pay for travel, give you cash back or help you save on groceries. Shopping sites such as Rakuten pay you if you start your shopping on their site instead of going to a merchant\u2019s website directly.<\/p>\n\n\n\n

Let the robots help you. <\/strong>Nearly 1 in 5 Canadian holiday shoppers (19%) plan to use coupons, cashback sites and apps when making holiday gift purchases, according to the survey. Use a price tracker to see what the historic price range for an item has been so you don\u2019t have to sort through a dozen open browser tabs. Camel Camel Camel has a popular tool made specifically to track prices on Amazon, helping you determine whether a discount genuinely reflects a good deal. Honey is a browser extension that scours the internet for promo codes and coupons for specific sites so you don\u2019t have to. <\/p>\n\n\n\n

Tap into the expertise of deal hunters. <\/strong>Some people love plumbing the depths of the internet for a great deal. If that\u2019s not you, that\u2019s OK. Instead, go to where deal-finding sleuths share their discoveries: online message boards. Kate Musgrove is director at RedFlagDeals.com, which hosts such a forum and has hundreds of thousands of users. \u201cThe community is really lifted by the people who are super bargain hunters, but also really lifted by people who are just doing a little bit of research before they go to the store,\u201d she says. You can post a question directly on the forum or set up a notification for a specific keyword, like a store or specific product you\u2019re shopping for. Whenever someone else mentions it in a post, you\u2019ll be notified. <\/p>\n\n\n\n

To avoid overspending in December, spend time now committing to a realistic budget that matches your values. When the season picks up, shop strategically to get more out of your dollar. Ultimately, the goal isn\u2019t to stop yourself from spending; it\u2019s to put you in control of it.<\/p>\n\n\n\n

Survey Methodology<\/h3>\n\n\n\n

This survey was conducted online by The Harris Poll on behalf of NerdWallet from September 23-26, 2024 among 1,016 Canadian adults ages 18 and older. The sampling precision of Harris online polls is measured by using a Bayesian credible interval.  For this study, the sample data is accurate to within +\/- 3.6 percentage points using a 95% confidence level. This credible interval will be wider among subsets of the surveyed population of interest. For complete survey methodology, including weighting variables and subgroup sample sizes, please contact Bria Weaver, bweaver@nerdwallet.com<\/p>\n\n\n\n

   <\/p>\n\n\n\n

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\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tKurt Woock<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Kurt Woock started writing for NerdWallet in 2021 and has covered mortgages, cryptocurrency, electric vehicles and small business software. Prior to joining NerdWallet, Kurt worked for the Colorado Public Employees'…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Kurt Woock and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t

\n\t\t\t\t\t

\n\t\t\t\tDIVE EVEN DEEPER\t\t\t<\/h4>\n\t\t\n\t\t
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\n
\n\t
\n\t\t\t\n\t\t\"Swipe\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tSwipe Smart: Cheat Sheet for Back-to-School Shopping with a Credit Card\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Is swiping a credit card to cover back-to-school shopping costs the right move for your family? There\u2019s reward-earning potential \u2014 and the risk of high-interest debt.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Shannon Terrell<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"7\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\t7 Money Strategies for Savvy Holiday Shopping\t<\/a>\n<\/h4>\n\n\t
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When shopping for holiday gifts this year, create your own discounts, use credit card rewards and consider alternative payment options. <\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Shannon Terrell<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Bad\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tBad At Budgeting? Try This Banking Trick Instead\t<\/a>\n<\/h4>\n\n\t
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For reluctant budgeters, automation can be the difference between wanting to save for the future and actually seeing your money grow. <\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Helen Burnett-Nichols<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
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\n\t\t\t\n\t\t\"3\t<\/a>\n\t\t\t
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\n\t\n\t\t3 Financial Gifts to Give Yourself This Holiday Season\t<\/a>\n<\/h4>\n\n\t
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Budgeting boundaries, maximizing your savings, exploring risk-free investments and taking steps to pay down debt are top ways to prioritize your financial health during the season of spending.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Barry Choi<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

Plan your holiday spending now, or plan to spend January wondering what happened.<\/p>\n","protected":false},"author":88,"featured_media":45652,"parent":104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"2023-09-25T14:17:17Z","apple_news_api_id":"e5f42c29-547d-4a48-b62a-db040ae179de","apple_news_api_modified_at":"2023-09-25T14:17:17Z","apple_news_api_revision":"AAAAAAAAAAD\/\/\/\/\/\/\/\/\/\/w==","apple_news_api_share_url":"https:\/\/apple.news\/A5fQsKVR9Ski2KtsECuF53g","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"GENERAL","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\",\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/76919044-3bb4-46ec-8cd0-168bc6bc224f\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[13],"topic":[267],"cluster":[268],"pp_author":[880],"acf":[],"apple_news_notices":[],"yoast_head":"\nWant to Control Holiday Spending? 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