Free Holiday Budget Printable

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Get the most out of your holiday savings and spending plan with these top tips:

1. Set your spending limit before you start budgeting

And stick to your limit. That might mean making some compromises. Think through what you need to make your holiday happy and successful. You may need to pay for travel to your holiday destination, but maybe you can pack some food from the pantry rather than buying a meal along the way.

2. Reduce your spending

Add up the total of your holiday list, and don’t be shy about reducing it some more. Challenge yourself to spend a little less each year.

3. Plan for as many expenses as possible

Be as comprehensive as you can as you create your budget. Don’t forget things like holiday tips and year-end giving.

4. Remember to save

Continue saving over the holidays so you don’t shortchange your retirement, education, small business, or other goals. 

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Tip of the Day

  • Participate in the Thrift Savings Plan (TSP) - a retirement savings and investment plan for Federal employees and members of the Uniformed Services. It offers the same types of savings and tax benefits that many private corporations offer their employees under 401(k) plans. More info at tsp.gov

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