Holidays and celebrations can make us forget our financial goals. When you’re feeling as though your spending is spiraling out of your comfort zone, try these tactics:

1. Develop a plan and stick to it. Create a workable budget, considering each person you will be buying for. Compare the total with the amount you have to spend, and reduce where necessary.
2. Evaluate your gift list and get creative. Try limiting your gift-giving list to family and close friends. Handmade gifts are often the most appreciated, and many times don’t cost nearly as much.
3. Consider giving the gift of time. Instead of shopping for gifts, give your family members what they really want—more time with you. Consider giving gift certificates for special activities—a candlelight dinner, an outdoor activity, or a monthly lunch.

4. Shop smart and early. Begin shopping before the holiday rush. This will leave you time to comparison shop and hunt for the best buys, instead of buying the most convenient item because you’re out of time.
5. Refrain from tempting yourself, and avoid those extras. Sometimes the little things can really add up. NOTE: Advertisers are always encouraging us to spend during the holiday season. Find ways to spend time instead of just money … after all, it’s not money that makes lasting memories!

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