The holidays are a special time, but the extra spending can sneak up quickly. A little planning ahead can make the season feel joyful instead of stressful. Here are a few practical ways to keep your budget in check without giving up the fun.

• Start with a spending limit
  Think about what you can comfortably afford this year and set a total amount for your holiday spending. Then break it down into gifts, food, travel, and anything else you expect to buy. Having a number in mind helps you make clearer choices when you start shopping.

• Write down your gift list
  Before you head to the store or shop online, make a list of who you are buying for and what you plan to spend on each person. It is much easier to stay on track when you avoid last-minute purchases.

• Use cash or debit instead of credit
  Paying with cash or a debit card limits overspending and prevents a large credit card bill from following you into the new year. If you shop online, a prepaid card can help you stay within your limit.

• Consider simple or handmade gifts
  Some of the most meaningful gifts are personal ones. A framed photo, a homemade treat, or something hand-crafted can feel more thoughtful than a store-bought item.

• Be mindful of the little extras
  Seasonal coffees, decor, or extra trips through the drive-thru can add up faster than expected. Cutting back on just a few of these small expenses can free up room in your holiday budget.

• Plan ahead for next year
  Once the holidays are over, you can start setting aside a small amount each month for next season. Even twenty dollars a month adds up and can make December much less stressful.

Financial peace of mind is an important gift to give yourself. If you would like help creating a holiday spending plan or a year-round budget, our certified credit counselors are here to help. Contact Consumer Credit of Des Moines at 515-287-6428 or 800-955-5765, or visit us at www.consumercredit-dm.com.