{"id":3760,"date":"2021-10-27T13:13:44","date_gmt":"2021-10-27T18:13:44","guid":{"rendered":"https:\/\/www.accrediteddebtrelief.com\/blog\/?p=3760"},"modified":"2023-11-01T13:24:55","modified_gmt":"2023-11-01T18:24:55","slug":"holiday-budgeting-tips-for-2021","status":"publish","type":"post","link":"https:\/\/www.accrediteddebtrelief.com\/blog\/holiday-budgeting-tips-for-2021\/","title":{"rendered":"Holiday Budgeting Tips for 2021"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Holiday spending is expected to increase this year, as more and more families return to in-person celebrations. According to a forecast by Deloitte, U.S. consumers are expected to spend up to 9% more this holiday season than they did in 2020. Increases in spending, especially around the holidays can derail your budget. Keep holiday spending on track and avoid credit card debt by following these holiday budgeting tips.&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s easy to justify excess spending because many of our favorite traditions, like traveling, elaborate meals and gift-giving add up, but these tips can help.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Holiday Budgeting Tips:<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#holidayspending\">Get an Early Start to Spread Out Holiday Spending<\/a><\/li>\n\n\n\n<li><a href=\"#exclusive\">Keep Your Holiday Shopping List Exclusive<\/a><\/li>\n\n\n\n<li><a href=\"#planner\">Use a Free Holiday Budget Planner<\/a><\/li>\n\n\n\n<li><a href=\"#hustle\">Fund Holiday Spending with a Side Hustle<\/a><\/li>\n\n\n\n<li><a href=\"#thrifty\">Reduce Spending with Thrifty Holiday Ideas<\/a><\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"holidayspending\">1. Get an Early Start to Spread Out Holiday Spending<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One way to get in over your head with holiday spending is to save all your big purchases for the last minute. If you start shopping early, you can spread out our spending over several months which can make it easier to pay for things.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider starting your holiday shopping in the Fall. Buying early means you\u2019ll have a greater selection of items to choose from. Also, shipping and postal delays are expected to continue this year, so getting an early start will help ensure that your gifts arrive on time.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"exclusive\">2. Keep Your Holiday Shopping List Exclusive<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Santa Claus might buy presents for everyone, but you don\u2019t have to. Save your gifting budget for a core group of family and friends.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to give gifts to acquaintances like co-workers and neighbors, consider lower-cost options like baked goods, which convey appreciation without breaking the bank. There are plenty of thrifty holiday gifting ideas online to help you spread holiday cheer without spending a lot of money.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"planner\">3. Use a Free Holiday Budget Planner<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Budgets don\u2019t have to be one size fits all but you can simplify the process by using a premade template like this <strong>FREE Holiday Budget Planner<\/strong>. Click the link to copy, save and edit your own. You can use the budget template to estimate how much you plan this year and where you\u2019ll need extra funds to cover your spending.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/beyondfinance.typeform.com\/to\/VPfegkCr\" target=\"_blank\" rel=\"noreferrer noopener\">Download Planner<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Instructions:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our copy is locked for editing, but you can save your own version to edit as you please.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a Google account:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>simply click \u201cFile\u201d and \u201cMake a copy\u201d in the upper left-hand corner to save.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you don\u2019t have a Google Account:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>simply click \u201cDownload\u201d to save the spreadsheet as a PDF or Excel file.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1NhCfj2ZR5E1f033hyx0qaEYqWoWjhGnnkUQUMPJk0zs\/edit?usp=sharing\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/lh4.googleusercontent.com\/mZM8WV1S9CWLyIUTIaqpMcsMZUEdVYmxo0pQaHO6KJlBw9PZvNXRfqyNGxlXBn6RPSdBgBg5j444Sa26PxV82pdgHBXFt9f-sYvqbDW8_PGodKHuboB_4Xmw_RRR-UAT9VIUW0OJ\" alt=\"Top Dollar Holiday Budget Spreadsheet\"\/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1NhCfj2ZR5E1f033hyx0qaEYqWoWjhGnnkUQUMPJk0zs\/edit?usp=sharing\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/lh5.googleusercontent.com\/7kFJFfe_nqTKhkMkxGkvjLCpF-bkAlAyUIqyIORaWKOLCe9pNt0d8CUdNYXWO4v9B2oaptfaSjfsBulEbk4m3XoUk8TyzD9i0RrE9hd0v36vWf_g4h1yHbE_qnUt-AVMgNnxKG-b\" alt=\"Make a Copy of the Holiday Budget\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hustle\">4. Fund Holiday Spending with a Side Hustle<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of using credit or savings to fund your holiday festivities, consider picking up a temporary side hustle to make extra cash. You can use your holiday budget to determine how much money you need and pick up extra work with that goal in mind.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/side-work-and-freelancing-advice-from-side-hustlers\/\">Side hustles<\/a> are part-time, often temporary, and flexible jobs that have become popular in recent years. In most cases, they give you the ability to set your own hours so you can pick up as much or as little work as you want. There are many app-based opportunities that simplify earning, or you can run independent side hustles and offer goods and services based on your skills.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Common side hustles include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rideshare driving<\/li>\n\n\n\n<li>Delivery services<\/li>\n\n\n\n<li>Dog walking<\/li>\n\n\n\n<li>Babysitting<\/li>\n\n\n\n<li>Virtual or In-Person Tutoring<\/li>\n\n\n\n<li>Handmade goods and services<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Warning: Although many side hustles are like small businesses, it\u2019s best to avoid opportunities that require significant overhead or startup costs, including inventory or monthly volume requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"thrifty\">5. Reduce Spending with Thrifty Holiday Ideas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There are plenty of fun and creative ways to save money this holiday season that won\u2019t make you feel like you breaking the bank.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Decoration Swap:<\/strong> host a swap with friends and family to trade gently used holiday decorations so you can enjoy something new to you!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Digital Holiday Cards:<\/strong> save on postage and avoid mail delays by going digital with your holiday greeting cards. You can use a free design app like Canva, with hundreds of templates to customize a holiday greeting to share via email, text and social media.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Prioritize Experiences Over Gifts: <\/strong>Instead of focusing on buying things for those you care about, plan budget-friendly experiences that are budget-friendly. Gifts are lovely, but memories stay with us always! Plan a hot chocolate and board game night with friends, go to a free holiday light display, for example.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Don\u2019t Forget to Have Fun!<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s good to be budget-conscious, but make sure you don\u2019t spend your whole holiday season fretting over money. You don\u2019t want to end up becoming the family Scrooge! It\u2019s OK to spend money on things you enjoy!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As long as you are being thoughtful and keeping an eye on your budget, you can avoid serious problems like missing bill payments or racking up credit card debt that you can\u2019t afford to pay back.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Holiday spending is expected to increase this year, as more and more families return to in-person celebrations. According to a forecast by Deloitte, U.S. consumers are expected to spend up to 9% more this holiday season than they did in 2020. Increases in spending, especially around the holidays can derail your budget. Keep holiday spending [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":3764,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[69],"tags":[],"class_list":["post-3760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting"],"accredited":{"author":{"name":"Anna Caldwell","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/author\/acaldwell\/"},"categories":[{"name":"Budgeting","slug":"budgeting","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/category\/budgeting\/"}],"thumbnail":"https:\/\/www.accrediteddebtrelief.com\/blog\/wp-content\/uploads\/2021\/10\/768x432_TopDollarBlog_HolidayBudgeting2021.jpg"},"acf":{"edited_by":"","reviewed_by":"","fact_checked_by":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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