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href="/topic/budgeting-hvn">Budgeting</a></li></ul><script type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.watoday.com.au/money","name":"Money"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.watoday.com.au/money/planning-and-budgeting","name":"Planning & budgeting"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.watoday.com.au/topic/budgeting-hvn","name":"Budgeting"}}]}</script></div><div class="_379lD"><div class="_3la2-"><h3 class="_2DnPg">Opinion</h3><h1 data-testid="headline" itemProp="headline">Six tips to save you from a financial hangover this Christmas</h1></div><div class="_3Q4pX"><div class="_1edoU"><div class="_1bFgK"><h5 itemProp="author" itemscope="" itemType="http://schema.org/Person"><span><span data-testid="byline"><a href="/by/victoria-devine-p536xu" title="Articles by Victoria Devine">Victoria Devine</a></span></span></h5><span class="_2wzd6" hidden="">Money columnist</span></div><div class="_3Jb6E"> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-11-17T02:01:00+08:00">November 17, 2024 — 2.01am</time></span></div></div></div></div></header><section class="_3OhA4 Lspjx"><div class="_2h56q _2bGxr"><div class="_3J1te"><div class="_3kTtc"> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-11-17T02:01:00+08:00">November 17, 2024 — 2.01am</time></span></div></div></div><div class="_2CSKo noPrint"><div class="_1KqZ_"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://watoday.myfairfax.com.au/channel/cWvEleexy48f-PI5-jlBnw/members/signups/new?callback_uri=">register</a> or <a href="https://subscribe.watoday.com.au/?promote_channel=HI_HL_GNL">subscribe</a> to save articles for later.</div><div><div aria-hidden="true" class="_1lwFz WUf_a _1pHo1" id="onboardingTooltip" role="tooltip"><h3>Save articles for later</h3><p>Add articles to your saved list and come back to them any time.</p><button class="_2YSi8 _17BTN _3_hLE" data-ffx-event-action="cta click" data-ffx-event-category="save onboarding" data-ffx-event-label="got it - part 1" data-ffx-hittype="event">Got it</button></div></div></div><div class="_2Cn91"><div class="_2KkCz"><button class="_30X7v _2-NUy" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size normal" data-ffx-event-value="0" data-ffx-hittype="event">Normal text size</button><button class="_3Rq_0" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size large" data-ffx-event-value="0" data-ffx-hittype="event">Larger text size</button><button class="_3VkdU" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size extra large" data-ffx-event-value="0" data-ffx-hittype="event">Very large text size</button></div></div></div></div></section><section class="_1Rw6X" data-testid="article-body-top"><aside class="_2GZaf"><div class="_1q-_I _3sCHz"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos2-desktop"></div></div></div></div></aside><div class="_1ysFk" data-testid="article-body"><div><div class="_5JLqO"><div class="_1Ld7U" id="beyondwords-player"></div><div class="_3Fhwk" data-testid="showPlayerOverlay"></div></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>It may be the most wonderful time of the year, but Christmas, which is just around the corner, can also be the most expensive for many of us.</p><p>Yes, there are the obvious expenses: presents, catering, travel expenses. But there are also a million other little hidden costs that are so easy to forget about, and that can quickly amount to a very unhappy credit card bill or hit to the savings account come January 1.</p><figure class="_3ujPS _3g3zI _4vIBa _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.354%2C$multiply_0.6988%2C$ratio_1.776846%2C$width_1059%2C$x_25%2C$y_0/t_crop_custom/q_86%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab, https://static.ffx.io/images/$zoom_0.354%2C$multiply_1.3975%2C$ratio_1.776846%2C$width_1059%2C$x_25%2C$y_0/t_crop_custom/q_62%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab 2x" height="417" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.354%2C$multiply_0.7252%2C$ratio_1.776846%2C$width_1059%2C$x_25%2C$y_0/t_crop_custom/q_86%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab, https://static.ffx.io/images/$zoom_0.354%2C$multiply_1.4504%2C$ratio_1.776846%2C$width_1059%2C$x_25%2C$y_0/t_crop_custom/q_62%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab 2x" height="433" width="768"/><img alt="Once you tally up the cost of presents, lunch, travel and alcohol, Christmas quickly gets expensive." src="https://static.ffx.io/images/$zoom_0.354%2C$multiply_0.5855%2C$ratio_1.776846%2C$width_1059%2C$x_25%2C$y_0/t_crop_custom/q_86%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab" height="349" width="620" srcSet="https://static.ffx.io/images/$zoom_0.354%2C$multiply_0.5855%2C$ratio_1.776846%2C$width_1059%2C$x_25%2C$y_0/t_crop_custom/q_86%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab, https://static.ffx.io/images/$zoom_0.354%2C$multiply_1.1709%2C$ratio_1.776846%2C$width_1059%2C$x_25%2C$y_0/t_crop_custom/q_62%2Cf_auto/743b6df3e4262b2e453beffdbeb913c8101ec7ab 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">Once you tally up the cost of presents, lunch, travel and alcohol, Christmas quickly gets expensive.</span><cite class="ojLwA"><span class="_30ROC">Credit: </span>iStock</cite></p></figcaption></figure><p>And that, my friends, is no way to start a new year. Thankfully, much of this problem is avoidable. Enter the unique monthly budget.</p><p>If you’re not already doing a unique budget for every month, don’t worry – new habits are easy to start, even at the end of the year. The benefits of doing a unique budget for every month are many, and the downsides are zero. If you are already creating and updating a monthly budget, gold star!</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Whichever camp you fall into, here are some unique December considerations to add.</p><p><b>1. Prioritise the basics. </b>Whether it’s April or December, the first and most important things to budget for are your essentials: mortgage repayments or rent, car loans or other loan repayments, public transport or petrol costs, groceries, and any other committed expenses such as gym memberships, subscription services, insurances, utility bills and registrations.</p><blockquote class="Zfkcv" data-testid="pull-quote"><p>If you’re trying to save or find extra money this month, giving up the party punch is an obvious option.</p></blockquote><p>Once all of these are considered, you’ll know how much you have left over (<a href="https://moneysmart.gov.au/budgeting/budget-planner" rel="noopener" target="_blank">MoneySmart</a> has a free and very handy budget guide) for any given month, which can then be budgeted into things like emergency savings or a holiday fund.</p><p><b>2. Plan for the big stuff. </b>If you don’t already have money put aside for Christmas presents, now is the time to allocate a set amount for that.</p></div></div></div></section><div class="_1FVfK"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-728x90_970x250-pos3-desktop"></div></div></div></div><section class="vPaWe" data-testid="article-body-bottom"><div class="_1ysFk"><div><div class="_1665V _2q-Vk" data-testid="body-content"><p><a href="/link/follow-20170101-p5kn5q">Earlier this month, I spoke about</a> the growing number of people planning to go into debt over Christmas spending this year, and why that should be avoided at all costs. And it bears repeating – spending less will be infinitely better not just for you, but also your children and loved ones in the long term. </p><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>Stick to spending only what you can afford - no one will judge you or think you’re a bad person if they don’t get every single item on their present wish list. Other considerations for this month’s budget should also be allocating extra money for groceries (Christmas lunch, anyone?) and any related travel you might be doing to visit family and friends in different parts of the country or state.</p><p><b>3. Take out your diary. </b>Not only is December notorious for being one of the most expensive months of the year, it’s also one of the busiest.</p><p>With that in mind, knowing where your weekends will be spent will help with financial planning. Do you have any school events you need to cater for, or are you buying your children’s teacher a gift?</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Is there a work Christmas party that you need to pay for, or budget in for Ubers or taxis? Are you planning to have a Christmas catch-up with friends or extended family before Christmas Day?</p><p>These are the kinds of “small spends” that we tell ourselves aren’t worth budgeting for but then quickly add up and make us feel sick when we check our balances at the end of the month.</p><p><b>4. Use your December Sundays wisely. </b>Because of the busyness of December, it’s so easy to fall out of our usual routines. A perfect example of this is not keeping up with habits we’d usually be great at during other times, like doing meal prep or one big batch meal for the freezer that comes in handy for midweek dinners when we can’t be bothered cooking.</p><p>Sure, this might not be the most exciting task or seem like a big money saver, but according to <a href="https://www.canstarblue.com.au/stores-services/average-food-delivery-cost/" rel="noopener" target="_blank">Canstar Blue</a>, in 2023, the average Australian spent $60 per week on food delivery services.</p><p>Taking inflation into consideration, this is likely to have climbed even higher in 2024. But based on last year’s figure alone, if you were to forgo having food delivered just for the month of December, that’s a saving of $240 per person per household, just in exchange for an hour or two’s work on the weekend. By any measure, that’s an exceptional hourly rate of pay.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p><b>5. Try going dry. </b>This suggestion might feel sacrilegious to some people, but as the number of Australians either not drinking at all or joining the sober-curious movement continues to grow, there’s never been a better time to take a break from alcohol and not be inundated with questions.</p><p>And if you’re trying to save or find extra money this month, giving up the party punch is an obvious option. According to data from the Australian Bureau of Statistics, the average household spent $53 per week on alcohol in 2023.</p><figure class="_3ujPS _3x3-4 RMwbY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.38%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/ed1e76e523396a8d5504f56d11e06d0936209d0e, https://static.ffx.io/images/$zoom_0.38%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_2%2C$y_0/t_crop_custom/q_62%2Cf_auto/ed1e76e523396a8d5504f56d11e06d0936209d0e 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.38%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/ed1e76e523396a8d5504f56d11e06d0936209d0e, https://static.ffx.io/images/$zoom_0.38%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_2%2C$y_0/t_crop_custom/q_62%2Cf_auto/ed1e76e523396a8d5504f56d11e06d0936209d0e 2x" height="512" width="768"/><img alt="Don’t forget about New Year’s Eve when it comes to your December budget." loading="lazy" src="https://static.ffx.io/images/$zoom_0.38%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/ed1e76e523396a8d5504f56d11e06d0936209d0e" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.38%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_2%2C$y_0/t_crop_custom/q_86%2Cf_auto/ed1e76e523396a8d5504f56d11e06d0936209d0e, https://static.ffx.io/images/$zoom_0.38%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_2%2C$y_0/t_crop_custom/q_62%2Cf_auto/ed1e76e523396a8d5504f56d11e06d0936209d0e 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">Don’t forget about New Year’s Eve when it comes to your December budget.</span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Michael Valdez</cite></p></figcaption></figure><p>Bear in mind that’s the national average <i>and </i>the annual average. For most people who do drink, even just socially, in December it would be much more than this. But, similar to abstaining from food delivery services, taking a month off alcohol will save over $200 per person for the month.</p><p>And if you factor in things like being able to drive to events instead of relying on taxis or Ubers, the savings could be even higher.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p><b>6. Don’t forget New Year’s Eve. </b>Whether you love a midnight countdown or are entirely indifferent to it, almost everybody forgets about New Year’s Eve when doing their December budget. And hey, given how busy the three weeks leading up to Christmas are, that’s not surprising.</p><p>Frankly, making it past that point alone is a big win. But even if you’re having a backyard barbeque with some friends, sharing a bottle of champagne on the pier, or attending a three-day camping festival, budgeting for your plans will help you be more aware of your finances and wake up in the new year with a sense of financial certainty and control.</p><p>To me, that sure beats waking up with a raging hangover and wondering where all of your money went.</p><p><b>Victoria Devine is an award-winning retired financial adviser, bestselling author and host of Australia’s No.1 finance podcast, </b><a href="https://www.shesonthemoney.com.au/"><b><em>She’s on the Money</em>.</b></a><b> Victoria is also founder and co-director of Zella Money.</b></p><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers’ decisions about investing or financial products. They should always seek their own professional advice that takes into account their own personal circumstances before making any financial decisions.</strong></li></ul></div><div class="_1665V _2q-Vk" data-testid="body-content"><p><b><i>Expert tips on how to save, invest and make the most of your money delivered to your inbox every Sunday. <a href="/link/follow-20170101-p5d9o2">Sign up for our Real Money newsletter</a>.</i></b></p></div></div><div class="noPrint"><div></div><div></div></div><div id="embedded-feedback"></div><div class="_22FRK _2spQv"><section class="aKWhn noPrint" id="endOfArticle"><div class="dLGbc"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://watoday.myfairfax.com.au/channel/cWvEleexy48f-PI5-jlBnw/members/signups/new?callback_uri=">register</a> or <a href="https://subscribe.watoday.com.au/?promote_channel=HI_HL_GNL">subscribe</a> to save articles for later.</div></div><div class="_8Cum8"><a class="_4oUp_" href="http://rightsportal.copyright.com.au/pages/republicationpage.aspx?author=Victoria%20Devine&publication=WAT&publicationdate=2024-11-16T18%3A01%3A00Z&publisher=fxj&title=Six%20tips%20to%20save%20you%20from%20a%20financial%20hangover%20this%20Christmas&url=https%3A%2F%2Fwww.watoday.com.au%2Fmoney%2Fplanning-and-budgeting%2Fsix-tips-to-save-you-from-a-financial-hangover-this-christmas-20241115-p5kqzs.html">License this article</a></div><div class="ZFgNO"><ul class="_3Nz34"><li><a class="_2Tz1_" href="/topic/budgeting-hvn">Budgeting</a></li><li><a class="_2Tz1_" href="/opinion">Opinion</a></li><li><a class="_2Tz1_" href="/topic/christmas-hp4">Christmas</a></li><li><a class="_2Tz1_" href="/topic/spending-hp0">Spending</a></li><li><a class="_2Tz1_" href="/topic/consumer-spending-1ncf">Consumer spending</a></li><li><a class="_2Tz1_" href="/topic/household-debt-hor">Household debt</a></li><li><button class="_3Fcyd">More…</button></li></ul></div></div></section><div class="_2Cg_3"><div class="iQMz1" hidden=""><div class="_1Oml5"><a class="_3NFLJ" title="Articles by Victoria Devine" href="/by/victoria-devine-p536xu">Victoria Devine</a> is an award-winning retired financial advisor, best-selling author, and host of Australia's number one finance podcast, She’s on the Money. 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":\"\",\"loginAction\":\"\",\"showModal\":\"none\",\"swgEntitlementStatus\":null},\"meterPrompt\":{\"isVisible\":false,\"limit\":0},\"myAccount\":{\"isVisible\":false},\"page\":{\"/money/planning-and-budgeting/six-tips-to-save-you-from-a-financial-hangover-this-christmas-20241115-p5kqzs.html\":{\"asset\":{\"ads\":{\"suppress\":false},\"assetType\":\"article\",\"categories\":[\"Money\",\"Planning & budgeting\"],\"categoryId\":36,\"asset\":{\"about\":\"It may be the most wonderful time of the year, but Christmas can also be the most expensive for many of us.\",\"allowComments\":false,\"body\":\"<p>It may be the most wonderful time of the year, but Christmas, which is just around the corner, can also be the most expensive for many of us.</p><p>Yes, there are the obvious expenses: presents, catering, travel expenses. But there are also a million other little hidden costs that are so easy to forget about, and that can quickly amount to a very unhappy credit card bill or hit to the savings account come January 1.</p><x-placeholder id=\\\"0dbfc63523ddfc500c65daf7f0bdc29d6e7e8aa1\\\"></x-placeholder><p>And that, my friends, is no way to start a new year. Thankfully, much of this problem is avoidable. Enter the unique monthly budget.</p><p>If you\\u2019re not already doing a unique budget for every month, don\\u2019t worry \\u2013 new habits are easy to start, even at the end of the year. The benefits of doing a unique budget for every month are many, and the downsides are zero. If you are already creating and updating a monthly budget, gold star!</p><p>Whichever camp you fall into, here are some unique December considerations to add.</p><p><b>1. Prioritise the basics. </b>Whether it\\u2019s April or December, the first and most important things to budget for are your essentials: mortgage repayments or rent, car loans or other loan repayments, public transport or petrol costs, groceries, and any other committed expenses such as gym memberships, subscription services, insurances, utility bills and registrations.</p><x-placeholder id=\\\"aaa48834031a2fb5694864a340f1fa1968e391b1\\\"></x-placeholder><p>Once all of these are considered, you\\u2019ll know how much you have left over (<x-placeholder id=\\\"af76f0deb5561b2b23dc9e933105b7d6c2bfdc6a\\\"></x-placeholder> has a free and very handy budget guide) for any given month, which can then be budgeted into things like emergency savings or a holiday fund.</p><p><b>2. Plan for the big stuff. </b>If you don\\u2019t already have money put aside for Christmas presents, now is the time to allocate a set amount for that.</p><p><x-placeholder id=\\\"104c9495f96a6c12634628de7dc2e045b9c481dd\\\"></x-placeholder> the growing number of people planning to go into debt over Christmas spending this year, and why that should be avoided at all costs. And it bears repeating \\u2013 spending less will be infinitely better not just for you, but also your children and loved ones in the long term. </p><x-placeholder id=\\\"dc21b8ae976dd5e8a033ae8137c3e8384e4860b8\\\"></x-placeholder><p>Stick to spending only what you can afford - no one will judge you or think you\\u2019re a bad person if they don\\u2019t get every single item on their present wish list. Other considerations for this month\\u2019s budget should also be allocating extra money for groceries (Christmas lunch, anyone?) and any related travel you might be doing to visit family and friends in different parts of the country or state.</p><p><b>3. Take out your diary. </b>Not only is December notorious for being one of the most expensive months of the year, it\\u2019s also one of the busiest.</p><p>With that in mind, knowing where your weekends will be spent will help with financial planning. Do you have any school events you need to cater for, or are you buying your children\\u2019s teacher a gift?</p><p>Is there a work Christmas party that you need to pay for, or budget in for Ubers or taxis? Are you planning to have a Christmas catch-up with friends or extended family before Christmas Day?</p><p>These are the kinds of \\u201Csmall spends\\u201D that we tell ourselves aren\\u2019t worth budgeting for but then quickly add up and make us feel sick when we check our balances at the end of the month.</p><p><b>4. Use your December Sundays wisely. </b>Because of the busyness of December, it\\u2019s so easy to fall out of our usual routines. A perfect example of this is not keeping up with habits we\\u2019d usually be great at during other times, like doing meal prep or one big batch meal for the freezer that comes in handy for midweek dinners when we can\\u2019t be bothered cooking.</p><p>Sure, this might not be the most exciting task or seem like a big money saver, but according to <x-placeholder id=\\\"eca5ca8fee88012f175af963b614dc5fa76cc6a1\\\"></x-placeholder>, in 2023, the average Australian spent $60 per week on food delivery services.</p><p>Taking inflation into consideration, this is likely to have climbed even higher in 2024. But based on last year\\u2019s figure alone, if you were to forgo having food delivered just for the month of December, that\\u2019s a saving of $240 per person per household, just in exchange for an hour or two\\u2019s work on the weekend. By any measure, that\\u2019s an exceptional hourly rate of pay.</p><p><b>5. Try going dry. </b>This suggestion might feel sacrilegious to some people, but as the number of Australians either not drinking at all or joining the sober-curious movement continues to grow, there\\u2019s never been a better time to take a break from alcohol and not be inundated with questions.</p><p>And if you\\u2019re trying to save or find extra money this month, giving up the party punch is an obvious option. According to data from the Australian Bureau of Statistics, the average household spent $53 per week on alcohol in 2023.</p><x-placeholder id=\\\"e41e81aae2d785f70c7a5f8f879b23139e751352\\\"></x-placeholder><p>Bear in mind that\\u2019s the national average <i>and </i>the annual average. For most people who do drink, even just socially, in December it would be much more than this. But, similar to abstaining from food delivery services, taking a month off alcohol will save over $200 per person for the month.</p><p>And if you factor in things like being able to drive to events instead of relying on taxis or Ubers, the savings could be even higher.</p><p><b>6. Don\\u2019t forget New Year\\u2019s Eve. </b>Whether you love a midnight countdown or are entirely indifferent to it, almost everybody forgets about New Year\\u2019s Eve when doing their December budget. And hey, given how busy the three weeks leading up to Christmas are, that\\u2019s not surprising.</p><p>Frankly, making it past that point alone is a big win. But even if you\\u2019re having a backyard barbeque with some friends, sharing a bottle of champagne on the pier, or attending a three-day camping festival, budgeting for your plans will help you be more aware of your finances and wake up in the new year with a sense of financial certainty and control.</p><p>To me, that sure beats waking up with a raging hangover and wondering where all of your money went.</p><p><b>Victoria Devine is an award-winning retired financial adviser, bestselling author and host of Australia\\u2019s No.1 finance podcast, </b><x-placeholder id=\\\"2768e55a1dac7d55b51c741f15750860295f8b71\\\"></x-placeholder><b> Victoria is also founder and co-director of Zella Money.</b></p><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers\\u2019 decisions about investing or financial products. 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