Let's do something different and STOP going into debt for the holidays! Prepare for Christmas 2025 NOW! How are you planning to save for Christmas 2025?
We stopped doing gifts in my family because it got too stressful. Now we focus on gathering and bring together. We make and share food. No one goes into debt for a holiday. We focus on the reason for the season. It’s wonderful! I understand that some folks love giving but this works for us.
This is great! Let’s be proactive instead of reactive. I spent all the holiday money I had saved up for the 2024 holiday season with no regrets because no new debts 🙌🏾. For 2025 I will be picking only a few events to celebrate with gift giving. Other celebrations will be via free to low cost experiences.
I plan on shopping throughout the year for gifts instead of waiting until the holiday or setting aside an amount every month for Christmas and my son's birthday and mine (my son's birthday is in November and mine is in December).
Yes, I agree 100% I started a cookie jar savings at my bank and will contribute to it each paycheck automatically along with using my savings round up that i have deposited in there. Im so proud to say that it is slowly growing and it's not even January yet!
I literally just put this in my budget for 2025. I love the holiday season… decorating, gatherings and giving to others. My budget was also $1500. This will reduce a lot of that end of the year spending stress.
I started a savings account for Christmas over 10 plus years ago and it’s the best thing I ever did. I set up automatic savings account label Christmas and I put money in the account monthly and it’s automatically transferred to my savings accounts the first of November and then it’s continuously keep saving I don’t have to do anything except move the funds to my checking account. It works for me and sometimes I don’t spend the full amount so I transfer any extra back to my savings account. Love it ❤❤
This was good because, although you felt like you were all over the place, for me it shows the different things I should include when I'm trying to come up with a Christmas budget. I've never done it before for this very reason. Choosing some arbritrary amount never motivated me to keep up with following it consistently for a whole year. Your process really enlightened me of different aspects to take into consideration. As always, you have changed my thinking for the better! Tracey from San Diego, California
One of the best things I did for my budget and my holiday stress level was to use the Holiday Account option at the credit union. Not only do I save for gift giving, but a few years ago I increased it enough to cover the extra cost of hosting the big dinner.
Hi there! thanks for sharing....we started a Christmas sinking fund 2 years ago. Such a great idea! And we love to do it. Even if it doesnt cover everything at the end, it still is a huge help!
I did a few savings challenges last year. I saved the money in a HYSA all year and used the lowest completed challenge first for Christmas then if I needed more I went to the next highest. I saved $40 from the first challenge after purchasing all. The highest gift purchased was $200. My primary focus is paying off debt and saving for my newborn’s future.
Hi bestie I started saving for Christmas right after thanksgiving. I have my cash envelope and savings challenge l purchased from Etsy. Jasmine you are generous to your daughter!! I saw $500 and my eyes 👀 lol
Thank you for the reminder! I like a suggestion in the comments about making it a gift fund! So many unexpected requests to pitch in for work celebrations!
I decided to work part time, in addition to my full time job, at places where I can get a discount. Some places only require you to work 1 time every 120 days. This makes $500-$1000 really stretch. Great video!
Next Christmas will be different.. my bf plan on saving for kids, wedding, house, etc. For the past 2 years, we have had a budget of $25 to $50 for our Christmas gifts for each other. We adopt a family from Salvation Army. This year i gave more to my bffs. 1 is taking classes, the other is going through a divorce. Next year will be giving but less cause priorities will change.
$3-$5 week adds up here. Doing a spare change jar this year. Praying Xmas 2025 gets funded. Making many gifts should help with that. 😊 goal is $1200 for the year.
Hey bestie, I’m so glad you shared this. I will definitely make a list of those I’m buying for and how much I want to budget for each. My grands take all my money but next year I’m going to be ready😂. Thanks for sharing❤
I shop year around, especially after Christmas sales, clearance, etc. Saves money. I do have a budget😂. I dont really do any other holiday buying. I dont decorate except for Christmas
You're doing a fantastic job! I need some advice: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How should I go about transferring them to Binance?
$2,000 seems high to me. We have 3 kids and 6 grandkids. $100 per person is it. You have to be creative and set the expectations. Especially grandkids they get so much from everyone. I try my best to stick to the 52 week savings challenge, which amounts to $1,378. I see no reason to up it Especially while paying debt. I might even try cutting to $75 per person we'll see.$50 to $60 for birthdays.
Try the "there's 12 days of Christmas" approach. Jesus got his gifts on Jan 6 when the wise men arrived. We would buy discounted toys the days after Christmas. Wish you all the best
Great question...I would use the very method that I shared in the video. Give each child a budget and depending on the age of the child would probably depend on the budget that they would get....
I definitely go over budget but for the most part I have a pretty good handle on discipline, plus I like to reward myself after hitting certain financial goals
Hahaha. You forgot what you talk about? Thanks. You had me smiling first thing out. We need to laugh. So, 2025 we're gonna try the Velocity Banking thing. We've already thought about a sinking fund for Christmas 2025. We must get out of debt in 2025 that car repairs got us into in 2024; ugh. Yes, start that 2025 Christmas budget today! We keep an eye open all year long for what someone would want for Christmas, with items on sale, that year. God bless us all in 2025.
You gotta work thru that sis. I have it too but just pray, journal, maybe talk to a good therapist, and be open and honest with your babies. Be there as much as possible but don’t swing the other extreme and enable them or show irresponsible financial example. Figure out what their other love languages are and show up in that way. Let them know you’re starting a budgeting journey (if you want) and plan out gifts including maybe experiences or passes. You don’t want to face regret on top of regret!!! Trust me Im going thru it in other ways and it just compounds the grief❤️🩹 The way I think of it my kids would prefer my help paying a bill if they really need it as opposed to some expensive shoes or electronics 🤷🏽♀️ sending you love 💗
I think that purchasing gifts for our adult children is a personal choice. My mother still buys all 3 of her very grown children very good gifts every year and throughout the year...Let me add...without going into debt or making life difficult for her to do it....Every situation is different. Everyones budget is different. There are many people who CAN afford to buy gifts for adult people. It is based on what you can do and what your heart desires to do. Please do not feel guilty for buying your children gifts at whatever age they are :-)
@ I catch so much heat about it. “they” say I should take the money I saved and do something for me. But doing for them is for ME. I save for it every year so I can. 🤷🏽♀️
I totally understand. You have a giving heart ❤️ My mom loves to see the joy of family and her having the ability to bless us. I feel the same with my daughter. Every year is different but we assess and move accordingly. Last year I bought a lot for my daughter. This year I bought her nothing. Next year I’ll buy her something… maybe 😂
Halloween is my favorite holiday so I am going to start saving my money now so I can go to Universal studios Halloween horror nights 2025 tickets $260+ hotel stay is about $139. So I will save for Halloween because Halloween is like the most expensive holiday for me and I have to go to the movies to see a horror movie tickets for that is about $40 because I love the movie theater popcorn and then horror movie streaming I will have to buy. Christmas is the cheapest Holiday for me but Halloween just burns a hole in my pocket.
Let's do something different and STOP going into debt for the holidays! Prepare for Christmas 2025 NOW! How are you planning to save for Christmas 2025?
I have already planned 75% of my gift knitting for 2025 and pulled most of the yarn from my yarn stash. Does that count?
We started saving this past year however, for 2025 we will save $120 each paycheck. We are paid biweekly.
We stopped doing gifts in my family because it got too stressful. Now we focus on gathering and bring together. We make and share food. No one goes into debt for a holiday. We focus on the reason for the season. It’s wonderful! I understand that some folks love giving but this works for us.
I plan on saving only $400 for Christmas. My main goal this year is to pay down debt and save money on my challenges
I love this! You are sticking to your goals!
@ I’ve claimed it
Mine also
I have been doing this for years. It’s so freeing to spend for Christmas and not worrying about it.
I agree 100% with you!
This is great! Let’s be proactive instead of reactive. I spent all the holiday money I had saved up for the 2024 holiday season with no regrets because no new debts 🙌🏾. For 2025 I will be picking only a few events to celebrate with gift giving. Other celebrations will be via free to low cost experiences.
This is a great goal and i love it! You have a great plan
I plan on shopping throughout the year for gifts instead of waiting until the holiday or setting aside an amount every month for Christmas and my son's birthday and mine (my son's birthday is in November and mine is in December).
That is a realy good idea...I know people who start buying gifts in September. Great stategy!
I started a "gifts" section of my cash sinking funds binder which is going to cover birthdays and Christmas. I like your tracking sheet idea as well!
That is a great idea! I think I just might add a Gifts envelope...I like that...Thank you!
@BudgetTreasures you're welcome! Let us know how it works out for you!
Great idea! I have 2 girls so everyone’s bdays and friend’s bdays ADD UP! If I have a budget and stick to it there’s no way to overspend😊
Yes, I agree 100% I started a cookie jar savings at my bank and will contribute to it each paycheck automatically along with using my savings round up that i have deposited in there. Im so proud to say that it is slowly growing and it's not even January yet!
I love a good auto save! I am glad that your system is working PERFECTLY!
I literally just put this in my budget for 2025. I love the holiday season… decorating, gatherings and giving to others. My budget was also $1500. This will reduce a lot of that end of the year spending stress.
Yesss Bestie! It sure does...Guilt-free spending at its BEST!
I started doing that for 2 years now and it was so stress free come November. I love those sinking funds.
Isn't it!!!
This is perfect to stay on track for Christmas 2025 ❤
It is going to make a world of a difference
I started a savings account for Christmas over 10 plus years ago and it’s the best thing I ever did. I set up automatic savings account label Christmas and I put money in the account monthly and it’s automatically transferred to my savings accounts the first of November and then it’s continuously keep saving I don’t have to do anything except move the funds to my checking account. It works for me and sometimes I don’t spend the full amount so I transfer any extra back to my savings account. Love it ❤❤
This was good because, although you felt like you were all over the place, for me it shows the different things I should include when I'm trying to come up with a Christmas budget. I've never done it before for this very reason. Choosing some arbritrary amount never motivated me to keep up with following it consistently for a whole year. Your process really enlightened me of different aspects to take into consideration. As always, you have changed my thinking for the better! Tracey from San Diego, California
One of the best things I did for my budget and my holiday stress level was to use the Holiday Account option at the credit union. Not only do I save for gift giving, but a few years ago I increased it enough to cover the extra cost of hosting the big dinner.
Our family of mostly adults do a gift exchange. Names are drawn around Thanksgiving and you buy for the person whose name you drew.
We pretty much do the same thing...Sometimes I want to be able to bless my siblings with gifts
Hi there! thanks for sharing....we started a Christmas sinking fund 2 years ago. Such a great idea! And we love to do it. Even if it doesnt cover everything at the end, it still is a huge help!
Hey girl hey! I enjoyed the video💞
Thanks for this Bestie! This will be my last broke Christmas, I promise myself!
😂 I said the same thing to myself a few years back...
Ikr😂😂
Hello Bestie I am working on my January calendar now. Plan to stick to my budget and have my savings challenges ready
You are on POINT! and I love to hear it!!
@ I just pray I stick to it 🙏😃
I did a few savings challenges last year. I saved the money in a HYSA all year and used the lowest completed challenge first for Christmas then if I needed more I went to the next highest. I saved $40 from the first challenge after purchasing all. The highest gift purchased was $200. My primary focus is paying off debt and saving for my newborn’s future.
I'm doing savings challenges from now til November
Wonderful idea!
Love this idea❤❤❤
Thank you for the ideas❤
Yes I’m try this next year amazing idea
So glad that you are doing this . Tfs! I’m starting my budget early. New subscriber.
Hi bestie I started saving for Christmas right after thanksgiving. I have my cash envelope and savings challenge l purchased from Etsy. Jasmine you are generous to your daughter!! I saw $500 and my eyes 👀 lol
LOL!!!! It probably will be more like $300 or so...Because she is an adult...Adult gifts are expensive...😂
Please do. It makes Christmas šo much easier.
Thank you for the reminder! I like a suggestion in the comments about making it a gift fund! So many unexpected requests to pitch in for work celebrations!
I decided to work part time, in addition to my full time job, at places where I can get a discount. Some places only require you to work 1 time every 120 days. This makes $500-$1000 really stretch. Great video!
I like this idea!
No debt for Christmas!! Nope nope nope!!😂❤
None, none, none!!
Thank you so much 😊 this is great information
You're welcome 🙂
I start shopping on black Friday for the next year and shop all year so by September I'm done shopping.
Next Christmas will be different.. my bf plan on saving for kids, wedding, house, etc. For the past 2 years, we have had a budget of $25 to $50 for our Christmas gifts for each other. We adopt a family from Salvation Army. This year i gave more to my bffs. 1 is taking classes, the other is going through a divorce. Next year will be giving but less cause priorities will change.
Thank you for this video!
👋🏾 and hello from another budget planner!😊
💜KayKay💜
$3-$5 week adds up here. Doing a spare change jar this year. Praying Xmas 2025 gets funded. Making many gifts should help with that. 😊 goal is $1200 for the year.
I've been putting $40 aside every paycheque to cover my wife and 2 boys, birthday and Christmas gifts
Hey bestie, I’m so glad you shared this. I will definitely make a list of those I’m buying for and how much I want to budget for each. My grands take all my money but next year I’m going to be ready😂. Thanks for sharing❤
😂 I am starting to feel what it means for the grands to take all of our money
@ Lol, it’s bittersweet for sure😊. Just wait til she gets older and thinks grandmom can buy her everything her little heart desires 😊
@@Sitasbudgetingjourney 😂 You are so right because that is exactly how all of my mothers grandkids think..
@ I got five lil broke besties aka grandkids so I know all too well how they do 😂
😂😂😂@@Sitasbudgetingjourney
I have $300 in my 2025 christmas fund already. Auto transfer. I'm hoping i can keep it going
I love this!
I shop year around, especially after Christmas sales, clearance, etc. Saves money. I do have a budget😂. I dont really do any other holiday buying. I dont decorate except for Christmas
Yes you are catching all of the deals! I am pretty much the same way
You're doing a fantastic job! I need some advice: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How should I go about transferring them to Binance?
$2,000 seems high to me. We have 3 kids and 6 grandkids. $100 per person is it. You have to be creative and set the expectations. Especially grandkids they get so much from everyone. I try my best to stick to the 52 week savings challenge, which amounts to $1,378. I see no reason to up it Especially while paying debt. I might even try cutting to $75 per person we'll see.$50 to $60 for birthdays.
Hi how would you suggest budgeting for Christmas with eight children?
Try the "there's 12 days of Christmas" approach. Jesus got his gifts on Jan 6 when the wise men arrived. We would buy discounted toys the days after Christmas. Wish you all the best
Great question...I would use the very method that I shared in the video. Give each child a budget and depending on the age of the child would probably depend on the budget that they would get....
❤❤❤
Hello how do you not jump off budget during the year
I definitely go over budget but for the most part I have a pretty good handle on discipline, plus I like to reward myself after hitting certain financial goals
I was just thinking about this😂
Right on time!
❤❤
Thank you for watching
Hahaha. You forgot what you talk about? Thanks. You had me smiling first thing out. We need to laugh. So, 2025 we're gonna try the Velocity Banking thing. We've already thought about a sinking fund for Christmas 2025. We must get out of debt in 2025 that car repairs got us into in 2024; ugh. Yes, start that 2025 Christmas budget today! We keep an eye open all year long for what someone would want for Christmas, with items on sale, that year. God bless us all in 2025.
I have MOM GUILT and probably do too much for my grown children but I can’t help it. I budget $1500 and split it between my two.
And food 😮😢😢
You gotta work thru that sis. I have it too but just pray, journal, maybe talk to a good therapist, and be open and honest with your babies.
Be there as much as possible but don’t swing the other extreme and enable them or show irresponsible financial example. Figure out what their other love languages are and show up in that way. Let them know you’re starting a budgeting journey (if you want) and plan out gifts including maybe experiences or passes. You don’t want to face regret on top of regret!!! Trust me Im going thru it in other ways and it just compounds the grief❤️🩹
The way I think of it my kids would prefer my help paying a bill if they really need it as opposed to some expensive shoes or electronics 🤷🏽♀️ sending you love 💗
@ you are right!
I think that purchasing gifts for our adult children is a personal choice. My mother still buys all 3 of her very grown children very good gifts every year and throughout the year...Let me add...without going into debt or making life difficult for her to do it....Every situation is different. Everyones budget is different. There are many people who CAN afford to buy gifts for adult people. It is based on what you can do and what your heart desires to do. Please do not feel guilty for buying your children gifts at whatever age they are :-)
@ I catch so much heat about it. “they” say I should take the money I saved and do something for me. But doing for them is for ME. I save for it every year so I can. 🤷🏽♀️
I totally understand. You have a giving heart ❤️ My mom loves to see the joy of family and her having the ability to bless us. I feel the same with my daughter. Every year is different but we assess and move accordingly. Last year I bought a lot for my daughter. This year I bought her nothing. Next year I’ll buy her something… maybe 😂
Halloween is my favorite holiday so I am going to start saving my money now so I can go to Universal studios Halloween horror nights 2025 tickets $260+ hotel stay is about $139. So I will save for Halloween because Halloween is like the most expensive holiday for me and I have to go to the movies to see a horror movie tickets for that is about $40 because I love the movie theater popcorn and then horror movie streaming I will have to buy. Christmas is the cheapest Holiday for me but Halloween just burns a hole in my pocket.
Oh wow!!! You are so brave to go to Halloween horror nights! I am glad that you have a plan to save for it