Free Holiday Spending Tracker | How to Spend your Holidays Meaningfully

Holiday Spending

Holiday spending is fun! It’s nice to recognize those we love and share our abundance with them. Overspending at Christmas is not. And, when you’ve had a particularly tough year, you might be extra tempted to overdo it on Christmas spending.

Every year, the Christmas decorations come out in the stores earlier than the year before. TV advertisers tell us about the “great deals” as soon as Labor Day ends. Families are committed to so many family and school events that details can quickly slip past us.

holiday spending tracker
How to spend less at Christmas-tracking what you spend is a great start.

With all the noise around us, who can remember to control Christmas spending? But, there’s not much worse than that January hangover when you review your bank statements and see what you really spent.

One bonus tip: Try doing a No Spend November Challenge to get your budget in better shape for the holidays and Christmas spending.

How to Spend Less at Christmas

  • Don’t fall for marketing campaigns that make you feel as if you’re getting a great deal when you’re really not. For example, buy it today and pay for it tomorrow. If this is a hot item, the supply and the good deals will be unlimited. Nothing has only a finite number, though it may be harder to find. If there is a good deal on an item this week, there also will be one next week and the week after. Nothing is “limited time only” because suppliers want to sell as many as they can.
  • Create traditions that are low cost. A trip to NYC to see the Radio City show is fabulous, but you don’t need to do it every year. Kids love baking cookies and wrapping presents for kids who are less fortunate. They love making crafts and you can make outdoor ornaments for the birds. The possibilities are endless!
  • Make a budget and stick to it. Allocate a certain amount of money for each person you plan on buying gifts for and don’t overspend by even a dollar.
  • Don’t forget to budget for EVERYTHING for the holiday season. Overlooked items such as holiday cards, postage, shipping, office chip-ins and dinners out can quickly add up and demolish your holiday budget.
  • Pay with cash. Don’t even think of using a credit card unless you are 100% sure you can comfortably pay it off at the end of the month. If you can’t, you cannot afford it.
  • Don’t get caught up in the moment. If your shopping cart is overflowing, step back, regroup and make sure you can really afford everything you plan to purchase. Ask yourself why you put everything in the cart and do you really need it? Add a WHY to every purchase. WHY are you buying this? Retailers count on this happening to you on Black Friday! This is why they create a frenzy–FOMO makes you buy more!
  • Kids learn by example. Even parents who have failed to reach their financial dreams can still teach their kids important lessons about money during the holiday season. Kids don’t remember a certain toy they got for Christmas, they remember the time spent together. Think of more inexpensive traditions, like a reading them a holiday story.
  • Set limits and expectations. There’s no shame in telling people that this year will be a lean holiday season when it comes to exchanging gifts. Approach people to set spending limits. “Hey, how about we only spend $20 per kid this year?” Many family members will appreciate this.
  • Remind yourself that it’s just one day. Ask yourself this question: Would rather have the short-term satisfaction of expensive material possessions? Or the long-term results of financial freedom and abundance.
  • There are good deals to be had on Black Friday and Cyber Monday. But be mentally tough to know when enough is enough. If you put something in your cart to purchase, re-evaluate everything before you check out. Who will you give it to? How many other items do you already have for that person? Did you buy it because you had that intention coming into the store? Or was it because you saw several other shoppers looking at it and assumed it was a good deal?
  • When it comes to spending this holiday season, leave your emotions on the shelf. Let reason be your guide. This is particularly true for families like ours and times like these. Try to utilize healthy ways to express them, other than overspending to try and compensate for losses.
  • Limit charitable giving. Helping others is a nice gesture and certainly in the spirit of the holidays. But if you’re not financially comfortable yourself, you can’t give what you don’t have. A little leftover change is one thing, but don’t do more harm than good. Pick one or two causes and donate something small or donate your time. Encourage friends and family to do the same. If everyone did one small thing, the need wouldn’t be as great.

The holidays are a wonderful time. Don’t stress yourself out by overspending or thinking that you “can’t afford” a nice holiday season.

It’s about time, love and family…not “stuff.”


Christmas Expense Tracker printable

  • Fine Motor Skills-Games, crafts and coloring activities are a great way to use and practice a child’s fine motor skills.
  • Speech and Language– Many parents seek out a language-rich environment for their child. Any activity can be an opportunity to use and repeat new words and language, mimicking sounds, new vocalizations and articulations.
  • Executive Functioning Skills– Depending on the game or activity, it can be an opportunity to practice executive functions such as working memory, sequencing, following directions, task initiation and more.
  • Handwriting and Fluency- This piggybacks onto the language skills a child needs, but with worksheets, coloring pages and games, they can be a low-risk opportunity to practice handwriting and fluency.
  • Practicing Previously Acquired Skills-Applying already acquired skills across all environments, bring the classroom teaching into the real world.
  • Sensory-Textures, sounds, taste, vestibular, interoception, anything!
  • Social Awareness-Practice traditional social skills in a safe environment, such as: joint attention, taking turns, reciprocating conversation, waiting politely, and more.
  • Gross Motor-If you’re in a new place, practice walking across uneven surfaces, new surfaces, inclines & declines, stairs, or increasing endurance.

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