As summer winds down and we ease into September, it’s the perfect time to give your finances a quick check-up—before the excitement (and expense!) of the holiday season begins. Here’s your Pre-Holiday Budget Checklist, so you can enjoy a stress-free fall and winter.
- Review Your Monthly Budget
Pull up last month’s expenses. Are holiday savings already included? If not, carve out a realistic amount now—whether it’s $25 or $100—to stay ahead. - Set a Savings Goal
Break it down: if you aim to save $600 by December, how much would you need each month? Small, steady steps go a long way. - Track Upcoming Big Expenses
Think ahead to travel, gift shopping, or festive meals. Estimate those costs and earmark an extra bit each payday to cover them. - Use Holiday-Specific Savings Tools
Tools like a Palmetto First “Santa Club”, a dedicated holiday account to keep you disciplined and focused. Ask us how to set one up—stress-free saving starts here! - Look for Handy Skip-a-Pay Options
Planning ahead for loan flexibility? Keep an eye out: Skip-a-Pay programs offer an option that puts a little extra cash in your pocket.
Stick to the checklist now, and you’ll glide into the holidays with financial confidence and peace of mind. No surprises. Just more time to savor the season.
