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sc-762dcccc-3 cLhSQr kSydWg has-author-byline" data-cy="article-title">Shop smart this Christmas: how to budget and avoid overspending</h1><div class="sc-762dcccc-12 dbPxJK"><div data-cy="article-author-and-date" class="sc-762dcccc-4 iAMQzI"><div class="sc-762dcccc-5 hYQSDF recommends-author"><div data-cy="authorByLine" class="sc-4aadc14e-0 izTsmZ"><span class="sc-4aadc14e-7 fLvwvm"><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 fowfrQ " rel="author" aria-label="Go to Katherine Haan author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Katherine Haan" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Katherine Haan" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=96&q=75 2x" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=96&q=75"/></noscript></span><div class="sc-4aadc14e-2 hyvKyP"><div class="sc-4aadc14e-3 wCShc"><div data-cy="author-by-text" class="sc-4aadc14e-5 gQdnNk">BY</div><div data-cy="author-name" class="sc-4aadc14e-6 dImtxq">Katherine Haan</div></div><div class="sc-4aadc14e-4 oxMCx">Personal Finance Expert</div></div></a><div class="sc-3be47025-11 fcFEKV sc-4aadc14e-1 COKyR"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Katherine Haan</span></a><span class="sc-3be47025-2 eSlZzo">Personal Finance Expert</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Katherine Haan</span><span style="font-weight:400"> is a former</span><span style="font-weight:400"> financial advisor turned small business coach. Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.</span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/kathyhaan/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 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style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=48&q=75 1x, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=96&q=75 2x" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=96&q=75"/></noscript></span><span class="sc-8357b4fc-4 iiWsis"><span class="sc-8357b4fc-3 hVwMNA"><svg width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg" class="checkmark"><path d="M7.94771 16C12.3378 16 15.8954 12.4173 15.8954 8C15.8954 3.581 12.3362 0 7.94771 0C3.55924 0 0 3.58266 0 8C0 12.419 3.55924 16 7.94771 16Z" fill="#00CD98"></path><path d="M12.0049 4.83243C12.1961 5.00003 12.2175 5.29208 12.051 5.48458C12.0494 5.48789 12.0461 5.48955 12.0444 5.49287L7.04436 11.1531C6.87291 11.3456 6.57946 11.3639 6.38658 11.1913C6.37339 11.1797 6.3602 11.1664 6.34866 11.1531L3.84944 8.3205C3.67964 8.12469 3.69778 7.82766 3.89231 7.65674C4.08684 7.48582 4.38193 7.50407 4.55173 7.69988L6.72289 10.1376L11.3751 4.854C11.5416 4.66151 11.8318 4.63994 12.023 4.80754C12.0263 4.81086 12.028 4.81252 12.0313 4.81583L12.0049 4.83243Z" fill="white"></path></svg><span data-cy="reviewed-by-text" class="sc-8357b4fc-2 bjJBmk">REVIEWED BY</span><span data-cy="reviewer-name" class="sc-8357b4fc-7 kXSAJi">Cassie Bottorff</span></span><span class="sc-8357b4fc-5 eFRRvB">Editor, Business & Banking</span></span></a><div class="sc-3be47025-11 fcFEKV sc-8357b4fc-0 ipkJtx"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" 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src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Cassie Bottorff</span></a><span class="sc-3be47025-2 eSlZzo">Editor, Business & Banking</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Cassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 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operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?w=1440&q=75"/><div data-cy="caption" class="sc-762dcccc-9 fbephs">A holiday shopper using a budgeting app to manage holiday expenses.</div><div data-cy="credit" class="sc-762dcccc-10 ebMnGM">GETTY IMAGES</div></div><div id="article-content" class="sc-762dcccc-16 dnkyTN"><div><div data-cy="article-content" class="rawHtml-content-no-nativo"><p>We’re knee-deep in the holiday season, with the clock ticking loudly as the search for the perfect present intensifies. Imagine juggling the hunt for gifts for everyone on your list, planning a festive Christmas dinner, supporting local businesses, and stuffing stockings, all while your budget feels like everyone is getting handmade gifts this year.</p><div class="paywall-selector"></div><div class="paywall"> <p>Holiday retail sales are expected to peak at 966.6 billion U.S. dollars this year, which is a substantial leap from its $416 billion in quieter days of 2002. With prices soaring everywhere, and day-of Black Friday deals looking suspiciously the same as pre-Black Friday deals, Americans are feeling that pinch everywhere they look. If you find yourself looking at your giant list and wondering how you will make it all work, follow these tips and expert advice to shop for Christmas on a budget.</p> <div class="myFinance-widget" data-ad-id="5c6ba399-d32f-4e30-9722-8373c50873c3" data-campaign="fr-xmasshopbudget" data-sub-id="AMP-3439370"></div> <amp-ad height="250" type="myfinance" data-ad-type="widget" data-widget="1b78eadb-131c-4ef8-b5af-1024b8f662f8" data-utm_campaign="fortune-savings-multi" data-sub-id="AMP-3439370"></amp-ad> <h2 class="wp-block-heading"><strong>Key takeaways</strong></h2> <ul><li>Consumers plan to spend an average of $832.84 on holiday gifts and festivities. (<a href="https://nrf.com/media-center/press-releases/nrf-predicts-healthy-holiday-sales-consumers-navigate-economic" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://nrf.com/media-center/press-releases/nrf-predicts-healthy-holiday-sales-consumers-navigate-economic" rel="noopener">National Retail Federation</a>)</li> <li>Of those who plan on holiday shopping this year, 40% say that inflation will impact their shopping decisions (<a href="https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune&utm_campaign=fr-xmasshopbudget&sub_id=PUBLISHERSUBIDHERE" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune&utm_campaign=fr-xmasshopbudget&sub_id=PUBLISHERSUBIDHERE" rel="noopener">Bankrate</a>)</li> <li>Lower income groups are feeling the effects of inflation at a higher rate— 45 percent of the lowest-income holiday shoppers (under $50,000 in annual household income) say inflation will change how they shop versus just 34 percent who make $100,000 or more. (<a href="https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune&utm_campaign=fr-xmasshopbudget&sub_id=PUBLISHERSUBIDHERE" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune&utm_campaign=fr-xmasshopbudget&sub_id=PUBLISHERSUBIDHERE" rel="noopener">Bankrate</a>)</li> <li>More than 4 in 5 (84 percent) holiday shoppers plan to employ money-saving tactics this year. Among those who will do so, these tactics include pursuing coupons, sales and discounts (49 percent) and buying fewer items (48 percent). (<a href="https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune&utm_campaign=fr-xmasshopbudget&sub_id=PUBLISHERSUBIDHERE" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune&utm_campaign=fr-xmasshopbudget&sub_id=PUBLISHERSUBIDHERE" rel="noopener">Bankrate</a>)</li> <li>More than half of shoppers (54 percent) plan to charge at least some of their holiday purchases to credit. (<a href="https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune&utm_campaign=fr-xmasshopbudget&sub_id=PUBLISHERSUBIDHERE" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune&utm_campaign=fr-xmasshopbudget&sub_id=PUBLISHERSUBIDHERE" rel="noopener">Bankrate</a>)</li></ul> <h2 class="wp-block-heading">Get started saving early for Christmas</h2> <p>Imagine this; it’s January, and while you’re packing away all the holiday decorations, you’re already laying the foundation for the coming year. By setting aside a little each month, even as little as $50, you’re quietly building a reserve. This isn’t about making a grand gesture; it’s a steady rhythm of small savings accumulating over the next eleven months. Setting yourself up with a <a href="https://fortune.com/recommends/banking/best-budgeting-apps/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-budgeting-apps/">budgeting app</a> can make it easy to clearly designate those funds for use around the holidays.</p><div data-cy="nativoTout"></div> <p>By the time Christmas rolls back around, you’ve got a little buffer to soften the blow of all the gift-buying, festive meals, and any unforeseen holiday expenses that crop up. If you’re not disciplined enough not to touch it, many banks and credit unions have specific holiday savings programs set up to automate this process for you and won’t let you touch it until November.</p> <amp-ad height="250" type="myfinance" data-ad-type="widget" data-widget="6f076bb1-c6d3-4469-a76f-10767929d763" data-utm_campaign="fortune-cardmatch-front-door-widget" data-sub-id="AMP-3439370"></amp-ad> <h2 class="wp-block-heading">Earn and use rewards</h2> <p>One of the easiest ways to save on holiday shopping is using cash back rewards. This comes in many forms. For instance, browser extensions notify you of coupons at checkout, while <a href="https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/">cash back credit cards</a> and specific apps reward your purchases.</p> <p>Consider browser extensions like Honey or Capital One Shopping, which tirelessly scour for deals, automatically applying the best coupons from their vast databases at checkout.</p> <p>Credit card rewards transform each purchase, whether a trinket or a splurge, into points or cash back. Strategically use these cards for your routine spending and diligently clear the balance each month. This approach can significantly offset your holiday expenses, turning routine buys into savings for later. And if you’re buying experiential gifts, such as a trip for the family for the holidays, accumulating points can be a great way to reduce what you’ll pay out of pocket.</p> <p>Then, there are apps like Shopify’s Shop app. Each use of its checkout feature accumulates Shop Cash, which you can use for discounts at various Shopify stores. The app’s ‘boost’ feature is another gem, offering additional Shop Cash for purchases at selected stores, making your regular shopping trips more rewarding.</p> <div class="myFinance-widget" data-ad-id="5b11735a-be5c-41ca-91d5-cfb065011c7e" data-campaign="fr-xmasshopbudget" data-sub-id="AMP-3439370"></div> <h2 class="wp-block-heading">Buy now, pay later</h2> <p>When your Amazon shopping cart is piling up with presents for everyone on your list, <a href="https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/">buy-now-pay-later (BNPL) services</a> offer a tempting path. These include services such as Affirm, Klarna, Sezzle, Afterpay, and PayPal’s Pay in 4. In the United States, these services account for a notable 5% market share. Their appeal? Offering a breather for your wallet when you’re eyeing those perfect, but pricey gifts. </p> <p>Rather than spending $500 on what’s in your shopping cart, a BNPL often splits up the purchase into four bi-weekly payments. This means instead of the $500, you’re paying a more manageable $125 every pay period. Some even offer monthly payments, though these often charge interest. </p> <p>It’s easy to see why BNPL are so popular; it’s a short-term solution with immediate gratification.</p> <p>But every silver lining comes with a cloud. BNPL options, while convenient, carry their share of risks. It’s easy to lose track of accumulated payments, leading to a potential financial squeeze. Late fees can turn an initially sweet deal sour if a payment slips your mind. Not only that, but missed payments might impact your credit. </p> <p>When used responsibly, BNPL can be a great way to help ease the financial burden of Christmas shopping. But if you find yourself using them every month just to shop, that’s a sign you might need to rein it in. </p> <h2 class="wp-block-heading">Consider a gift exchange</h2> <p>Consider a gift exchange rather than buying gifts for each of your family members and their partners. This way, you only have to buy one present, rather than ten, at your holiday gathering. It’s no longer an obligatory purchase, but a focused act of giving a present perfectly tailored for them. </p> <p>For an extra layer of fun you can make this tradition anonymous, where the recipient only knows who got them the gift once it’s opened. This is ideal for close-knit families who know well what the other person would like. </p> <p>Another option is a white elephant gift exchange, where each person gets a gift under a certain dollar amount, such as $20, and brings it to the party already wrapped. All the presents are put on a table, and you take turns picking the present you want to unwrap. Before the next person takes their turn, they can choose to ‘steal’ an already opened gift rather than choosing a surprise. Making a game of it takes the pressure off of not knowing what to get the other person.</p> <div class="myFinance-widget" data-ad-id="5b11735a-be5c-41ca-91d5-cfb065011c7e" data-campaign="fr-xmasshopbudget" data-sub-id="AMP-3439370"></div> <amp-ad height="250" type="myfinance" data-ad-type="widget" data-widget="6f076bb1-c6d3-4469-a76f-10767929d763" data-utm_campaign="fortune-cardmatch-front-door-widget" data-sub-id="AMP-3439370"></amp-ad> <h2 class="wp-block-heading">Have a homemade Christmas</h2> <p>Somewhere along the way, homemade gifts got a bad rap for being cheap. During the pandemic, many learned that homemade gifts take remendous time—the most significant currency of all. Here are a few ideas to get you started:</p> <ul><li>Homemade vanilla extract</li> <li>Woodworking gifts such as cutting boards, ornaments, and wooden garden markers</li> <li>A miniature herb garden</li> <li>A handbound copy of their favorite fanfiction</li> <li>Sourdough starter</li> <li>A batch of your most-requested baked good </li></ul> <h2 class="wp-block-heading">Gift an experience</h2> <p>When you buy the latest tech, toy, or gadget for your loved ones, there’s a high chance it’ll end up in the donation pile after a year. The gift of a lifelong memory has significance, and it doesn’t have to be a family trip to Bora Bora to be remembered for years to come. There are plenty of budget-friendly experiential gifts you could give. Examples include:</p> <ul><li>Skill-sharing: If you possess a skill, give a lesson. For example, if you’re a photographer you can gift a photography lesson. You can even skillshare with another family—you teach them your trade, and in turn they’ll teach you theirs.</li> <li>DIY movie night: Set up your home like your family’s own personal cinema, complete with a snack box filled with treats, play money, homemade movie tickets, and a menu of movies. </li> <li>Nature excursion: Why not plan a road trip to all the state parks in your area? Or spend a day geocaching, turning an ordinary hike into a treasure hunt. </li></ul> <h2 class="wp-block-heading">The takeaway</h2> <p>There can be a lot of pressure to spend during the holidays, but you don’t have to put yourself in a financial bind this Christmas. Ideally, you’ve already planned ahead and have invested money in a <a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-high-yield-savings-accounts/">high-yield savings account</a> over the past year. But if not, you can ease the financial burden by giving experiential or homemade gifts, hosting a gift exchange, or using cash back rewards. If used responsibly, buy-now-pay-later can also help spread the cost of your Christmas shopping over time. </p> <div class="myFinance-widget" data-ad-id="5c6ba399-d32f-4e30-9722-8373c50873c3" data-campaign="fr-xmasshopbudget" data-sub-id="AMP-3439370"></div> <amp-ad height="250" type="myfinance" data-ad-type="widget" data-widget="1b78eadb-131c-4ef8-b5af-1024b8f662f8" data-utm_campaign="fortune-savings-multi" data-sub-id="AMP-3439370"></amp-ad></div><div class="sc-30bdb254-0 kxagCu evergreen" data-cy="subscriptionPlea">Follow Fortune Recommends on <a href="https://www.facebook.com/fortunerecommends" target="_blank" class="sc-93594058-0 fowfrQ sc-bdvvtL lpozya " aria-label="Go to https://www.facebook.com/fortunerecommends" rel="noopener">Facebook</a> and <a href="https://twitter.com/fortunerecs" target="_blank" class="sc-93594058-0 fowfrQ sc-bdvvtL lpozya " aria-label="Go to https://twitter.com/fortunerecs" rel="noopener">Twitter</a>.</div></div></div><div class="sc-762dcccc-20 ilGjcf"><h4 class="sc-3358ecfd-0 fwBYux">About the contributors</h4><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Katherine Haan</span></a><span class="sc-3be47025-2 eSlZzo">Personal Finance Expert</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Katherine Haan</span><span style="font-weight:400"> is a former</span><span style="font-weight:400"> financial advisor turned small business coach. Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.</span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/kathyhaan/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/iamkathyhaan" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/katherine-haan/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Cassie Bottorff</span></a><span class="sc-3be47025-2 eSlZzo">Editor, Business & Banking</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Cassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/cassandra_glenn" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div><p>EDITORIAL DISCLOSURE<em>: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends</em>™<em> editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.</em></p></div><div class="sc-762dcccc-17 hVmGxe"><div class="sc-e7bcd642-2 jhQdLF"><h2 class="sc-3358ecfd-0 sc-e7bcd642-0 lbOvVG dvmNGh">Top Articles</h2><div data-cy="top-articles" class="sc-e7bcd642-1 dIxVVV"><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/shopping-guides/top-overall-scratch-offs/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="These 3 scratch-offs have the best possible odds of a win right now—here’s what you need to know before you play" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/05/Recommends_lottery_ticket_roundup.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/05/Recommends_lottery_ticket_roundup.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/05/Recommends_lottery_ticket_roundup.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/05/Recommends_lottery_ticket_roundup.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/05/Recommends_lottery_ticket_roundup.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/05/Recommends_lottery_ticket_roundup.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/05/Recommends_lottery_ticket_roundup.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/05/Recommends_lottery_ticket_roundup.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/05/Recommends_lottery_ticket_roundup.jpg?w=1440&q=75"/></a><div class="card-wrapper "><h3 class="sc-3358ecfd-0 iULPke card-title" data-cy="article-card-title"><a href="https://fortune.com/recommends/shopping-guides/top-overall-scratch-offs/?itm_source=parsely-api" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link ">These 3 scratch-offs have the best possible odds of a win right now—here’s what you need to know before you play</a></h3><div class="sc-cc7d6b4a-0 lNYKf card-authors" data-cy="article-card-by-line"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/ivana-pino" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Ivana Pino author's page">Ivana Pino</a></span></div><span class="card-date" data-cy="article-card-date">June 14, 2024</span></div></div><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/shopping-guides/how-to-do-christmas-shopping-on-a-budget/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="Shop smart this Christmas: how to budget and avoid overspending" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite 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target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link ">Shop smart this Christmas: how to budget and avoid overspending</a></h3><div class="sc-cc7d6b4a-0 lNYKf card-authors" data-cy="article-card-by-line"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/katherine-haan" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Katherine Haan author's page">Katherine Haan</a></span></div><span class="card-date" data-cy="article-card-date">May 16, 2024</span></div></div></div></div></div></div><div class="sc-762dcccc-18 kQbXwY"><div data-cy="article-right-rail" class="sc-5107fed8-0 gawJao"><div style="display:contents"><div class="sc-8e8d67e7-0 acxma related-articles-rr" data-cy="related-articles-rr"><div id="article-related"></div></div></div></div></div></div></main><footer class="sc-f19f6d8d-0 bJEJKK"><nav 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Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"SHOPPING","link":"https://fortune.com/recommends/shopping/"},{"label":"SHOPPING GUIDES","link":"/recommends/shopping-guides/"},{"label":"CHRISTMAS SHOPPING ON A BUDGET","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":"https://www.bankrate.com/banking/how-to-budget-for-holiday-spending/","channel":"Shopping Guides","content":"\u003cp\u003eWe\u0026#8217;re knee-deep in the holiday season, with the clock ticking loudly as the search for the perfect present intensifies. Imagine juggling the hunt for gifts for everyone on your list, planning a festive Christmas dinner, supporting local businesses, and stuffing stockings, all while your budget feels like everyone is getting handmade gifts this year.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eHoliday retail sales are expected to peak at 966.6 billion U.S. dollars this year, which is a substantial leap from its $416 billion in quieter days of 2002. With prices soaring everywhere, and day-of Black Friday deals looking suspiciously the same as pre-Black Friday deals, Americans are feeling that pinch everywhere they look. If you find yourself looking at your giant list and wondering how you will make it all work,\u0026nbsp; follow these tips and expert advice to shop for Christmas on a budget.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5c6ba399-d32f-4e30-9722-8373c50873c3\" data-campaign=\"fr-xmasshopbudget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/div\u003e\n\n\n\n\u003camp-ad height=\"250\" type=\"myfinance\" data-ad-type=\"widget\" data-widget=\"1b78eadb-131c-4ef8-b5af-1024b8f662f8\" data-utm_campaign=\"fortune-savings-multi\" data-sub-id=\"AMP-3439370\"\u003e\u003c/amp-ad\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eKey takeaways\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eConsumers plan to spend an average of $832.84 on holiday gifts and festivities. (\u003ca href=\"https://nrf.com/media-center/press-releases/nrf-predicts-healthy-holiday-sales-consumers-navigate-economic\"\u003eNational Retail Federation\u003c/a\u003e)\u003c/li\u003e\n\n\n\n\u003cli\u003eOf those who plan on holiday shopping this year, 40% say that inflation will impact their shopping decisions (\u003ca href=\"https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune\u0026amp;utm_campaign=fr-xmasshopbudget\u0026amp;sub_id=PUBLISHERSUBIDHERE\"\u003eBankrate\u003c/a\u003e)\u003c/li\u003e\n\n\n\n\u003cli\u003eLower income groups are feeling the effects of inflation at a higher rate— 45 percent of the lowest-income holiday shoppers (under $50,000 in annual household income) say inflation will change how they shop versus just 34 percent who make $100,000 or more. (\u003ca href=\"https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune\u0026amp;utm_campaign=fr-xmasshopbudget\u0026amp;sub_id=PUBLISHERSUBIDHERE\"\u003eBankrate\u003c/a\u003e)\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 4 in 5 (84 percent) holiday shoppers plan to employ money-saving tactics this year. Among those who will do so, these tactics include pursuing coupons, sales and discounts (49 percent) and buying fewer items (48 percent). (\u003ca href=\"https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune\u0026amp;utm_campaign=fr-xmasshopbudget\u0026amp;sub_id=PUBLISHERSUBIDHERE\"\u003eBankrate\u003c/a\u003e)\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than half of shoppers (54 percent) plan to charge at least some of their holiday purchases to credit. (\u003ca href=\"https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune\u0026amp;utm_campaign=fr-xmasshopbudget\u0026amp;sub_id=PUBLISHERSUBIDHERE\"\u003eBankrate\u003c/a\u003e)\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eGet started saving early for Christmas\u003c/h2\u003e\n\n\n\n\u003cp\u003eImagine this; it\u0026#8217;s January, and while you\u0026#8217;re packing away all the holiday decorations, you\u0026#8217;re already laying the foundation for the coming year. By setting aside a little each month, even as little as $50, you\u0026#8217;re quietly building a reserve. This isn\u0026#8217;t about making a grand gesture; it\u0026#8217;s a steady rhythm of small savings accumulating over the next eleven months. Setting yourself up with a \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebudgeting app\u003c/a\u003e can make it easy to clearly designate those funds for use around the holidays.\u003c/p\u003e\n\n\n\n\u003cp\u003eBy the time Christmas rolls back around, you\u0026#8217;ve got a little buffer to soften the blow of all the gift-buying, festive meals, and any unforeseen holiday expenses that crop up. If you\u0026#8217;re not disciplined enough not to touch it, many banks and credit unions have specific holiday savings programs set up to automate this process for you and won\u0026#8217;t let you touch it until November.\u003c/p\u003e\n\n\n\n\u003camp-ad height=\"250\" type=\"myfinance\" data-ad-type=\"widget\" data-widget=\"6f076bb1-c6d3-4469-a76f-10767929d763\" data-utm_campaign=\"fortune-cardmatch-front-door-widget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/amp-ad\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eEarn and use rewards\u003c/h2\u003e\n\n\n\n\u003cp\u003eOne of the easiest ways to save on holiday shopping is using cash back rewards. This comes in many forms. For instance, browser extensions notify you of coupons at checkout, while \u003ca href=\"https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/\"\u003ecash back credit cards\u003c/a\u003e and specific apps reward your purchases.\u003c/p\u003e\n\n\n\n\u003cp\u003eConsider browser extensions like Honey or Capital One Shopping, which tirelessly scour for deals, automatically applying the best coupons from their vast databases at checkout.\u003c/p\u003e\n\n\n\n\u003cp\u003eCredit card rewards transform each purchase, whether a trinket or a splurge, into points or cash back. Strategically use these cards for your routine spending and diligently clear the balance each month. This approach can significantly offset your holiday expenses, turning routine buys into savings for later. And if you’re buying experiential gifts, such as a trip for the family for the holidays, accumulating points can be a great way to reduce what you’ll pay out of pocket.\u003c/p\u003e\n\n\n\n\u003cp\u003eThen, there are apps like Shopify\u0026#8217;s Shop app. Each use of its checkout feature accumulates Shop Cash, which you can use for discounts at various Shopify stores. The app\u0026#8217;s \u0026#8216;boost\u0026#8217; feature is another gem, offering additional Shop Cash for purchases at selected stores, making your regular shopping trips more rewarding.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5b11735a-be5c-41ca-91d5-cfb065011c7e\" data-campaign=\"fr-xmasshopbudget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eBuy now, pay later\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen your Amazon shopping cart is piling up with presents for everyone on your list, \u003ca href=\"https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/\"\u003ebuy-now-pay-later (BNPL) services\u003c/a\u003e offer a tempting path. These include services such as Affirm, Klarna, Sezzle, Afterpay, and PayPal\u0026#8217;s Pay in 4. In the United States, these services account for a notable 5% market share. Their appeal? Offering a breather for your wallet when you\u0026#8217;re eyeing those perfect, but pricey gifts.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eRather than spending $500 on what\u0026#8217;s in your shopping cart, a BNPL often splits up the purchase into four bi-weekly payments. This means instead of the $500, you\u0026#8217;re paying a more manageable $125 every pay period. Some even offer monthly payments, though these often charge interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt\u0026#8217;s easy to see why BNPL are so popular; it\u0026#8217;s a short-term solution with immediate gratification.\u003c/p\u003e\n\n\n\n\u003cp\u003eBut every silver lining comes with a cloud. BNPL options, while convenient, carry their share of risks. It\u0026#8217;s easy to lose track of accumulated payments, leading to a potential financial squeeze. Late fees can turn an initially sweet deal sour if a payment slips your mind. Not only that, but missed payments might impact your credit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen used responsibly, BNPL can be a great way to help ease the financial burden of Christmas shopping. But if you find yourself using them every month just to shop, that\u0026#8217;s a sign you might need to rein it in.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eConsider a gift exchange\u003c/h2\u003e\n\n\n\n\u003cp\u003eConsider a gift exchange rather than buying gifts for each of your family members and their partners. This way, you only have to buy one present, rather than ten, at your holiday gathering. It\u0026#8217;s no longer an obligatory purchase, but a focused act of giving a present perfectly tailored for them.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor an extra layer of fun you can make this tradition anonymous, where the recipient only knows who got them the gift once it\u0026#8217;s opened. This is ideal for close-knit families who know well what the other person would like.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAnother option is a white elephant gift exchange, where each person gets a gift under a certain dollar amount, such as $20, and brings it to the party already wrapped. All the presents are put on a table, and you take turns picking the present you want to unwrap. Before the next person takes their turn, they can choose to \u0026#8216;steal\u0026#8217; an already opened gift rather than choosing a surprise. Making a game of it takes the pressure off of not knowing what to get the other person.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5b11735a-be5c-41ca-91d5-cfb065011c7e\" data-campaign=\"fr-xmasshopbudget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/div\u003e\n\n\n\n\u003camp-ad height=\"250\" type=\"myfinance\" data-ad-type=\"widget\" data-widget=\"6f076bb1-c6d3-4469-a76f-10767929d763\" data-utm_campaign=\"fortune-cardmatch-front-door-widget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/amp-ad\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eHave a homemade Christmas\u003c/h2\u003e\n\n\n\n\u003cp\u003eSomewhere along the way, homemade gifts got a bad rap for being cheap. During the pandemic, many learned that homemade gifts take remendous time—the most significant currency of all. Here are a few ideas to get you started:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eHomemade vanilla extract\u003c/li\u003e\n\n\n\n\u003cli\u003eWoodworking gifts such as cutting boards, ornaments, and wooden garden markers\u003c/li\u003e\n\n\n\n\u003cli\u003eA miniature herb garden\u003c/li\u003e\n\n\n\n\u003cli\u003eA handbound copy of their favorite fanfiction\u003c/li\u003e\n\n\n\n\u003cli\u003eSourdough starter\u003c/li\u003e\n\n\n\n\u003cli\u003eA batch of your most-requested baked good\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eGift an experience\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen you buy the latest tech, toy, or gadget for your loved ones, there\u0026#8217;s a high chance it\u0026#8217;ll end up in the donation pile after a year. The gift of a lifelong memory has significance, and it doesn\u0026#8217;t have to be a family trip to Bora Bora to be remembered for years to come. There are plenty of budget-friendly experiential gifts you could give. Examples include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eSkill-sharing: If you possess a skill, give a lesson. For example, if you\u0026#8217;re a photographer you can gift a photography lesson. You can even skillshare with another family—you teach them your trade, and in turn they\u0026#8217;ll teach you theirs.\u003c/li\u003e\n\n\n\n\u003cli\u003eDIY movie night: Set up your home like your family\u0026#8217;s own personal cinema, complete with a snack box filled with treats, play money, homemade movie tickets, and a menu of movies.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eNature excursion: Why not plan a road trip to all the state parks in your area? Or spend a day geocaching, turning an ordinary hike into a treasure hunt.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eThe takeaway\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere can be a lot of pressure to spend during the holidays, but you don’t have to put yourself in a financial bind this Christmas. Ideally, you’ve already planned ahead and have invested money in a \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ehigh-yield savings account\u003c/a\u003e over the past year. But if not, you can ease the financial burden by giving experiential or homemade gifts, hosting a gift exchange, or using cash back rewards. If used responsibly, buy-now-pay-later can also help spread the cost of your Christmas shopping over time.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5c6ba399-d32f-4e30-9722-8373c50873c3\" data-campaign=\"fr-xmasshopbudget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/div\u003e\n\n\n\n\u003camp-ad height=\"250\" type=\"myfinance\" data-ad-type=\"widget\" data-widget=\"1b78eadb-131c-4ef8-b5af-1024b8f662f8\" data-utm_campaign=\"fortune-savings-multi\" data-sub-id=\"AMP-3439370\"\u003e\u003c/amp-ad\u003e\u003c/div\u003e","databaseId":3439370,"dateGmt":"2023-12-10T17:23:00","dek":"","description":"Discover expert tips and tricks for managing your holiday expenses, including the best budgeting strategies and cash back hacks to stretch your dollars.","faq":[],"featuredMediaType":"image","floatingNavContent":"","floatingNavTitle":"","footnotes":null,"id":"cG9zdDozNDM5Mzcw","image":"https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?resize=1200,600","imageCaption":"A holiday shopper using a budgeting app to manage holiday expenses.","imageCredit":"GETTY IMAGES","keywords":"","link":"https://fortune.com/recommends/shopping-guides/how-to-do-christmas-shopping-on-a-budget/","metaTitle":"Christmas shopping on a budget","modifiedGmt":"2024-05-16T20:36:16","pageType":"evergreen","platformCD":"recommends","postId":3439370,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca class=\"sc-bdvvtL lpozya\" href=\"https://www.facebook.com/fortunerecommends\" target=\"_blank\" rel=\"noopener\"\u003eFacebook\u003c/a\u003e and \u003ca class=\"sc-bdvvtL lpozya\" href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eTwitter\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Woman using credit card for online shopping at Christmas time","caption":"Woman using credit card for online shopping at Christmas time","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"Explainer","primaryTagId":447826555,"link":"https://fortune.com/tag/explainer/","uri":"/tag/explainer/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Shopping Guides","primarySectionId":447864435,"link":"https://fortune.com/recommends/shopping-guides/","uri":"/recommends/shopping-guides/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=150","name":"Cassie Bottorff","role":"Editor, Business \u0026 Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eCassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/cassie-bottorff/","twitterUrl":"https://x.com/cassandra_glenn","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/cassie-bottorff/"},"sectionNames":["Shopping","Shopping Guides"],"sections":[{"name":"Shopping","sectionId":447864434,"slug":"shopping","__typename":"BrandedArticleClassificationSectionFieldsFields"},{"name":"Shopping Guides","sectionId":447864435,"slug":"shopping-guides","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"Give your loved ones a great Christmas without overspending. Here are the best tips for Christmas shopping on a budget.","socialTitle":"Save more this Christmas: how to shop on a budget","stickyCta":null,"tagNames":["Explainer","money management","no copyright"],"tags":[{"name":"Explainer","tagId":447826555,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"money management","tagId":447854076,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"default","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg","title":"Shop smart this Christmas: how to budget and avoid overspending","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/shopping-guides/how-to-do-christmas-shopping-on-a-budget/","videoId":3440578,"widgetCss":null},"articleData":{"adTags":[{"adtagname":"cat_Other","description":null,"slug":"cat-other"},{"adtagname":"Low Intent","description":null,"slug":"low-intent"},{"adtagname":"ptype_Explainer","description":null,"slug":"ptype-explainer"}],"audienceDek":"Discover expert tips and tricks for managing your holiday expenses, including the best budgeting strategies and cash back hacks to stretch your dollars.","authorNames":["Katherine Haan"],"authors":[{"email":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/12/Katherine-Haan-headshot.png?w=150","name":"Katherine Haan","sameAs":"","type":"Person","uri":"/author/katherine-haan/","url":"https://fortune.com/author/katherine-haan/","role":"Personal Finance Expert","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/kathyhaan/","twitterUrl":"https://x.com/iamkathyhaan","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eKatherine Haan\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e is a former\u003c/span\u003e\u003cspan style=\"font-weight: 400\"\u003e financial advisor turned small business coach. Katherine holds an MBA, and is a former staff writer for Fit Small Business. She is a regular contributor to Forbes and maintains a popular lifestyle and travel blog.\u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"SHOPPING","link":"https://fortune.com/recommends/shopping/"},{"label":"SHOPPING GUIDES","link":"/recommends/shopping-guides/"},{"label":"CHRISTMAS SHOPPING ON A BUDGET","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":"https://www.bankrate.com/banking/how-to-budget-for-holiday-spending/","channel":"Shopping Guides","content":"\u003cp\u003eWe\u0026#8217;re knee-deep in the holiday season, with the clock ticking loudly as the search for the perfect present intensifies. Imagine juggling the hunt for gifts for everyone on your list, planning a festive Christmas dinner, supporting local businesses, and stuffing stockings, all while your budget feels like everyone is getting handmade gifts this year.\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eHoliday retail sales are expected to peak at 966.6 billion U.S. dollars this year, which is a substantial leap from its $416 billion in quieter days of 2002. With prices soaring everywhere, and day-of Black Friday deals looking suspiciously the same as pre-Black Friday deals, Americans are feeling that pinch everywhere they look. If you find yourself looking at your giant list and wondering how you will make it all work,\u0026nbsp; follow these tips and expert advice to shop for Christmas on a budget.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5c6ba399-d32f-4e30-9722-8373c50873c3\" data-campaign=\"fr-xmasshopbudget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/div\u003e\n\n\n\n\u003camp-ad height=\"250\" type=\"myfinance\" data-ad-type=\"widget\" data-widget=\"1b78eadb-131c-4ef8-b5af-1024b8f662f8\" data-utm_campaign=\"fortune-savings-multi\" data-sub-id=\"AMP-3439370\"\u003e\u003c/amp-ad\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eKey takeaways\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eConsumers plan to spend an average of $832.84 on holiday gifts and festivities. (\u003ca href=\"https://nrf.com/media-center/press-releases/nrf-predicts-healthy-holiday-sales-consumers-navigate-economic\"\u003eNational Retail Federation\u003c/a\u003e)\u003c/li\u003e\n\n\n\n\u003cli\u003eOf those who plan on holiday shopping this year, 40% say that inflation will impact their shopping decisions (\u003ca href=\"https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune\u0026amp;utm_campaign=fr-xmasshopbudget\u0026amp;sub_id=PUBLISHERSUBIDHERE\"\u003eBankrate\u003c/a\u003e)\u003c/li\u003e\n\n\n\n\u003cli\u003eLower income groups are feeling the effects of inflation at a higher rate— 45 percent of the lowest-income holiday shoppers (under $50,000 in annual household income) say inflation will change how they shop versus just 34 percent who make $100,000 or more. (\u003ca href=\"https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune\u0026amp;utm_campaign=fr-xmasshopbudget\u0026amp;sub_id=PUBLISHERSUBIDHERE\"\u003eBankrate\u003c/a\u003e)\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than 4 in 5 (84 percent) holiday shoppers plan to employ money-saving tactics this year. Among those who will do so, these tactics include pursuing coupons, sales and discounts (49 percent) and buying fewer items (48 percent). (\u003ca href=\"https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune\u0026amp;utm_campaign=fr-xmasshopbudget\u0026amp;sub_id=PUBLISHERSUBIDHERE\"\u003eBankrate\u003c/a\u003e)\u003c/li\u003e\n\n\n\n\u003cli\u003eMore than half of shoppers (54 percent) plan to charge at least some of their holiday purchases to credit. (\u003ca href=\"https://www.myfinance.com/reporting/redir?redir=https%3A%2F%2Fwww.bankrate.com%2Ffinance%2Fcredit-cards%2Fearly-holiday-shopping%2F%3Fttcid%3D%7Bsub_id%7D%26pid%3Dmyfi_fortune\u0026amp;utm_campaign=fr-xmasshopbudget\u0026amp;sub_id=PUBLISHERSUBIDHERE\"\u003eBankrate\u003c/a\u003e)\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eGet started saving early for Christmas\u003c/h2\u003e\n\n\n\n\u003cp\u003eImagine this; it\u0026#8217;s January, and while you\u0026#8217;re packing away all the holiday decorations, you\u0026#8217;re already laying the foundation for the coming year. By setting aside a little each month, even as little as $50, you\u0026#8217;re quietly building a reserve. This isn\u0026#8217;t about making a grand gesture; it\u0026#8217;s a steady rhythm of small savings accumulating over the next eleven months. Setting yourself up with a \u003ca href=\"https://fortune.com/recommends/banking/best-budgeting-apps/\"\u003ebudgeting app\u003c/a\u003e can make it easy to clearly designate those funds for use around the holidays.\u003c/p\u003e\n\n\n\n\u003cp\u003eBy the time Christmas rolls back around, you\u0026#8217;ve got a little buffer to soften the blow of all the gift-buying, festive meals, and any unforeseen holiday expenses that crop up. If you\u0026#8217;re not disciplined enough not to touch it, many banks and credit unions have specific holiday savings programs set up to automate this process for you and won\u0026#8217;t let you touch it until November.\u003c/p\u003e\n\n\n\n\u003camp-ad height=\"250\" type=\"myfinance\" data-ad-type=\"widget\" data-widget=\"6f076bb1-c6d3-4469-a76f-10767929d763\" data-utm_campaign=\"fortune-cardmatch-front-door-widget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/amp-ad\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eEarn and use rewards\u003c/h2\u003e\n\n\n\n\u003cp\u003eOne of the easiest ways to save on holiday shopping is using cash back rewards. This comes in many forms. For instance, browser extensions notify you of coupons at checkout, while \u003ca href=\"https://fortune.com/recommends/credit-cards/best-cash-back-credit-cards/\"\u003ecash back credit cards\u003c/a\u003e and specific apps reward your purchases.\u003c/p\u003e\n\n\n\n\u003cp\u003eConsider browser extensions like Honey or Capital One Shopping, which tirelessly scour for deals, automatically applying the best coupons from their vast databases at checkout.\u003c/p\u003e\n\n\n\n\u003cp\u003eCredit card rewards transform each purchase, whether a trinket or a splurge, into points or cash back. Strategically use these cards for your routine spending and diligently clear the balance each month. This approach can significantly offset your holiday expenses, turning routine buys into savings for later. And if you’re buying experiential gifts, such as a trip for the family for the holidays, accumulating points can be a great way to reduce what you’ll pay out of pocket.\u003c/p\u003e\n\n\n\n\u003cp\u003eThen, there are apps like Shopify\u0026#8217;s Shop app. Each use of its checkout feature accumulates Shop Cash, which you can use for discounts at various Shopify stores. The app\u0026#8217;s \u0026#8216;boost\u0026#8217; feature is another gem, offering additional Shop Cash for purchases at selected stores, making your regular shopping trips more rewarding.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5b11735a-be5c-41ca-91d5-cfb065011c7e\" data-campaign=\"fr-xmasshopbudget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eBuy now, pay later\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen your Amazon shopping cart is piling up with presents for everyone on your list, \u003ca href=\"https://fortune.com/recommends/loans/best-buy-now-pay-later-apps/\"\u003ebuy-now-pay-later (BNPL) services\u003c/a\u003e offer a tempting path. These include services such as Affirm, Klarna, Sezzle, Afterpay, and PayPal\u0026#8217;s Pay in 4. In the United States, these services account for a notable 5% market share. Their appeal? Offering a breather for your wallet when you\u0026#8217;re eyeing those perfect, but pricey gifts.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eRather than spending $500 on what\u0026#8217;s in your shopping cart, a BNPL often splits up the purchase into four bi-weekly payments. This means instead of the $500, you\u0026#8217;re paying a more manageable $125 every pay period. Some even offer monthly payments, though these often charge interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt\u0026#8217;s easy to see why BNPL are so popular; it\u0026#8217;s a short-term solution with immediate gratification.\u003c/p\u003e\n\n\n\n\u003cp\u003eBut every silver lining comes with a cloud. BNPL options, while convenient, carry their share of risks. It\u0026#8217;s easy to lose track of accumulated payments, leading to a potential financial squeeze. Late fees can turn an initially sweet deal sour if a payment slips your mind. Not only that, but missed payments might impact your credit.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWhen used responsibly, BNPL can be a great way to help ease the financial burden of Christmas shopping. But if you find yourself using them every month just to shop, that\u0026#8217;s a sign you might need to rein it in.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eConsider a gift exchange\u003c/h2\u003e\n\n\n\n\u003cp\u003eConsider a gift exchange rather than buying gifts for each of your family members and their partners. This way, you only have to buy one present, rather than ten, at your holiday gathering. It\u0026#8217;s no longer an obligatory purchase, but a focused act of giving a present perfectly tailored for them.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eFor an extra layer of fun you can make this tradition anonymous, where the recipient only knows who got them the gift once it\u0026#8217;s opened. This is ideal for close-knit families who know well what the other person would like.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAnother option is a white elephant gift exchange, where each person gets a gift under a certain dollar amount, such as $20, and brings it to the party already wrapped. All the presents are put on a table, and you take turns picking the present you want to unwrap. Before the next person takes their turn, they can choose to \u0026#8216;steal\u0026#8217; an already opened gift rather than choosing a surprise. Making a game of it takes the pressure off of not knowing what to get the other person.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5b11735a-be5c-41ca-91d5-cfb065011c7e\" data-campaign=\"fr-xmasshopbudget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/div\u003e\n\n\n\n\u003camp-ad height=\"250\" type=\"myfinance\" data-ad-type=\"widget\" data-widget=\"6f076bb1-c6d3-4469-a76f-10767929d763\" data-utm_campaign=\"fortune-cardmatch-front-door-widget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/amp-ad\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eHave a homemade Christmas\u003c/h2\u003e\n\n\n\n\u003cp\u003eSomewhere along the way, homemade gifts got a bad rap for being cheap. During the pandemic, many learned that homemade gifts take remendous time—the most significant currency of all. Here are a few ideas to get you started:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eHomemade vanilla extract\u003c/li\u003e\n\n\n\n\u003cli\u003eWoodworking gifts such as cutting boards, ornaments, and wooden garden markers\u003c/li\u003e\n\n\n\n\u003cli\u003eA miniature herb garden\u003c/li\u003e\n\n\n\n\u003cli\u003eA handbound copy of their favorite fanfiction\u003c/li\u003e\n\n\n\n\u003cli\u003eSourdough starter\u003c/li\u003e\n\n\n\n\u003cli\u003eA batch of your most-requested baked good\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eGift an experience\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen you buy the latest tech, toy, or gadget for your loved ones, there\u0026#8217;s a high chance it\u0026#8217;ll end up in the donation pile after a year. The gift of a lifelong memory has significance, and it doesn\u0026#8217;t have to be a family trip to Bora Bora to be remembered for years to come. There are plenty of budget-friendly experiential gifts you could give. Examples include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eSkill-sharing: If you possess a skill, give a lesson. For example, if you\u0026#8217;re a photographer you can gift a photography lesson. You can even skillshare with another family—you teach them your trade, and in turn they\u0026#8217;ll teach you theirs.\u003c/li\u003e\n\n\n\n\u003cli\u003eDIY movie night: Set up your home like your family\u0026#8217;s own personal cinema, complete with a snack box filled with treats, play money, homemade movie tickets, and a menu of movies.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003eNature excursion: Why not plan a road trip to all the state parks in your area? Or spend a day geocaching, turning an ordinary hike into a treasure hunt.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eThe takeaway\u003c/h2\u003e\n\n\n\n\u003cp\u003eThere can be a lot of pressure to spend during the holidays, but you don’t have to put yourself in a financial bind this Christmas. Ideally, you’ve already planned ahead and have invested money in a \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ehigh-yield savings account\u003c/a\u003e over the past year. But if not, you can ease the financial burden by giving experiential or homemade gifts, hosting a gift exchange, or using cash back rewards. If used responsibly, buy-now-pay-later can also help spread the cost of your Christmas shopping over time.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5c6ba399-d32f-4e30-9722-8373c50873c3\" data-campaign=\"fr-xmasshopbudget\" data-sub-id=\"AMP-3439370\"\u003e\u003c/div\u003e\n\n\n\n\u003camp-ad height=\"250\" type=\"myfinance\" data-ad-type=\"widget\" data-widget=\"1b78eadb-131c-4ef8-b5af-1024b8f662f8\" data-utm_campaign=\"fortune-savings-multi\" data-sub-id=\"AMP-3439370\"\u003e\u003c/amp-ad\u003e\u003c/div\u003e","databaseId":3439370,"dateGmt":"2023-12-10T17:23:00","dek":"","description":"Discover expert tips and tricks for managing your holiday expenses, including the best budgeting strategies and cash back hacks to stretch your dollars.","faq":[],"featuredMediaType":"image","floatingNavContent":"","floatingNavTitle":"","footnotes":null,"id":"cG9zdDozNDM5Mzcw","image":"https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg?resize=1200,600","imageCaption":"A holiday shopper using a budgeting app to manage holiday expenses.","imageCredit":"GETTY IMAGES","keywords":"","link":"https://fortune.com/recommends/shopping-guides/how-to-do-christmas-shopping-on-a-budget/","metaTitle":"Christmas shopping on a budget","modifiedGmt":"2024-05-16T20:36:16","pageType":"evergreen","platformCD":"recommends","postId":3439370,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca class=\"sc-bdvvtL lpozya\" href=\"https://www.facebook.com/fortunerecommends\" target=\"_blank\" rel=\"noopener\"\u003eFacebook\u003c/a\u003e and \u003ca class=\"sc-bdvvtL lpozya\" href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eTwitter\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Woman using credit card for online shopping at Christmas time","caption":"Woman using credit card for online shopping at Christmas time","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2022/12/How-to-Christmas-Shop-on-a-Budget-GettyImages-1296114524-e1671130213236.jpeg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"Explainer","primaryTagId":447826555,"link":"https://fortune.com/tag/explainer/","uri":"/tag/explainer/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Shopping Guides","primarySectionId":447864435,"link":"https://fortune.com/recommends/shopping-guides/","uri":"/recommends/shopping-guides/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=150","name":"Cassie Bottorff","role":"Editor, Business \u0026 Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eCassie is the business and banking editor at Fortune Recommends. 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