The holidays are a joyous time filled with family, food and fun—but all that cheer can cause expenses to add up fast. It’s easy to spend more money than planned. The good news? With a little preparation and creativity, you can keep your spirits high and your costs low. Here are some smart ways to save on holiday shopping this season.
Make a list
…and check it twice. Write down everyone you plan to buy for, along with a set budget for each person. Then, stick to it. Having a clear plan not only helps you stay organized, but it also keeps impulse spending in check.DIY gifts
There is something special about a gift made from the heart. Handmade presents—like baked goods, personalized crafts or photo albums—show you care while saving money. Bonus: You can make it a family activity and create lasting memories together.Know when to shop
Timing is everything. Sales on Black Friday, Small Business Saturday and Cyber Monday can offer huge savings—but don’t overlook early bird deals! Planning your purchases around these times can help you score big savings without the stress of last-minute shopping.Subscribe and follow retailers
You will often get the best deals and steals by subscribing to emails or following companies on social media. Many brands reward their loyal followers with early access to sales, exclusive discount codes and fun giveaways.Shop around
Don’t jump at the first offer you see. If you find that perfect television, toy or gadget, go online or visit other stores to compare prices. A little investigating could save you a surprising amount of cash.Use price trackers
Why spend hours refreshing websites when technology can do the work for you? Certain tools and browser extensions monitor the cost of products across multiple retailers and notify you when prices drop or when a sale hits. For example, Camel Camel Camel (opens in a new tab) tracks prices on Amazon, Karma (opens in a new tab) is a browser extension that keeps tabs on items from various retailers and Price.com (opens in a new tab) lets you set price-drop alerts for specific products.Be patient
Sometimes waiting pays off. Many retailers know when you’ve put something in your shopping cart but haven’t purchased it. If you close out of the cart, you may later get emails or texts with additional discounts, free shipping or other perks.Earn while you shop
If you’re going to spend, you might as well earn a little something back! Cash back platforms like Rakuten (opens in a new tab), Ibotta (opens in a new tab) and RetailMeNot (opens in a new tab) give you a percentage of your purchase back when you shop through their sites. Pair that with a rewards credit card—like one from Members 1st that offers cash back or points—and you’ll stretch your holiday dollars even further. Just remember to pay off your balance in full each month to avoid interest charges.Buy from discount stores
Dollar store, here I come! You can find affordable wrapping paper, gift bags, décor and stocking stuffers for a fraction of the price you would pay elsewhere. It’s a simple way to save on the little extras that add up fast.Watch for gift card deals
Gift cards are a top holiday gift year after year—and buying them smartly can save you money. Many retailers and restaurants offer buy one, get one deals or discounted gift cards in December, so be on the lookout.Avoid shipping costs
Shipping fees can sneak up on you! Look for stores that offer free shipping or the option to buy online and pick up in store. You can also sign up for membership trials to get free two-day shipping on your holiday purchases (just don’t forget to cancel before you get billed!).Buy in bulk
Many stores sell gift sets and holiday staples in bulk. You can separate multi-packs into smaller, affordable gifts. For example, a three-pack of candles can easily become three thoughtful, budget-friendly presents.
The Bottom Line
Holiday shopping doesn’t have to drain your wallet. With a little planning, patience and creativity, you can enjoy the season while keeping your finances merry and bright. Focus on what matters most—spending time with loved ones—and let these smart strategies help you make the most of every dollar.