Smart Ways to Keep Holiday Spending Under Control

October 22, 2025

The holiday season has a way of tempting us to spend more than planned. Between gifts, decorations, and festive outings, it’s easy to end up in the red. But with a little creativity, you can keep your finances merry and bright. Try these budget-friendly holiday hacks to save money—without cutting back on cheer.

Save on Gifts

1. Tap into rewards and points.

Stretch your gift budget by using what you already have—credit card points, frequent flyer miles, or gift cards. For example, you might upgrade your parents’ flight using miles (just watch for any taxes or fees).

2. Skip pricey wrapping paper.

Gift wrap often ends up in the trash, so why spend on it? Many stores offer free wrapping or boxes, or you can use what you have on hand: kids’ artwork, comics, or even paper packaging spruced up with stamps. Save ribbons, tissue, and gift bags from this year to reuse next season.

3. Shop smart for long-distance gifts.

If you’re mailing gifts, choose retailers that offer free shipping—or wait for Free Shipping Day in mid-December, when many stores deliver by Christmas Eve at no extra cost.

4. Avoid rush fees.

Double-check mailing deadlines to ensure your gifts arrive on time without paying for expedited delivery.

5. Regift thoughtfully.

There’s no shame in regifting as long as it’s done right. Stick to unopened, unused items or gift cards and remove any personal notes or tags from the original giver.

6. Take advantage of freebies.

Some stores offer a free gift with purchase—like a cosmetic bag or product sample. Use these as small gifts or stocking stuffers.

7. Earn cashback as you shop.

Use cashback credit cards or shop through cashback sites. Just make sure to pay off the balance in full so interest charges don’t erase your savings.

8. Cut card costs.

Holiday cards can get expensive once you add up printing, postage, and photos. Try DIY options—take your own photo, use free design templates, or send e-cards instead. Hand-deliver cards to nearby friends to save on stamps.

Save on Fun

9. Enjoy free festivities.

You don’t have to spend big to celebrate. Many communities host free events like tree lightings, parades, or concerts. Some even offer giveaways like candy canes or dreidels. If you do want to attend ticketed attractions, check whether your library or local museum offers free passes or parking discounts.

10. Give back together.

Volunteering is a meaningful—and free—way to spend time with family. Help decorate at a local nursing home, work at a food pantry, or join USPS’s Operation Santa, where you can “adopt” letters and help fulfill holiday wishes.

Save on Travel

11. Skip hotel costs.

If you’re visiting friends or family, look for creative ways to stay for free—like home swaps, pet sitting, or house sitting. It’s a great way to save while still traveling comfortably.

Save on Décor

12. Display your holiday cards.

Turn greetings from loved ones into decorations. Hang cards on walls, string them along banisters, or frame your favorites for a personal touch.

13. Use nature’s beauty.

Collect pinecones, evergreen branches, or holly from your yard for a rustic, eco-friendly centerpiece.

14. Repurpose extra ornaments.

Have leftover ornaments or ribbons? Drop them into a glass bowl or vase for an easy, festive accent.

15. Feature kids’ artwork.

Children’s paper snowflakes and holiday drawings make charming, personal décor. If you don’t have little artists at home, borrow from nieces, nephews, or neighbors.

16. Stock up for next year.

After the holidays, check online marketplaces or community groups—many people give away decorations between December 26 and early January.

17. Rescue curbside finds.

Keep an eye out for discarded trees or decorations in good shape. You might find ornaments or lights perfect for next season.

Save on Parties

18. Borrow, don’t rent.

Hosting a party? Before you rent extra chairs or tables, ask friends or neighbors to lend theirs. You can return the favor later when they host.

19. Restyle your party outfit.

No need to buy new clothes for every event. Reuse the same outfit but switch up accessories, shoes, or outerwear to create a fresh look each time.

Celebrate Smart—and Save Big

Holiday joy doesn’t have to come with a hefty price tag. With a little planning, creativity, and resourcefulness, you can enjoy the season, give meaningful gifts, and still start the new year on solid financial footing.

Sources:

https://www.fidelity.com/learning-center/smart-money/holiday-budgeting

Disclosure:

This information is an overview and should not be considered as specific guidance or recommendations for any individual or business.

This material is provided as a courtesy and for educational purposes only.

These are the views of the author, not the named Representative or Advisory Services Network, LLC, and should not be construed as investment advice. Neither the named Representative nor Advisory Services Network, LLC gives tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your Financial Advisor for further information.