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Financial Education

Last-Minute Holiday Hacks

5 tips for a stress-free and affordable holiday season.

Piggy bank with Christmas Lights draped around it, red background.
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The holidays are drawing closer and there’s still so much to do! You’ve got gifts to buy and wrap, meals to prepare and more items on your to-do list than gifts on your preschooler’s wish list. Some days, it can seem like your stress levels will keep rising while the money in your wallet keeps dwindling—all the way up until the holidays arrive. Want some good news? It doesn’t have to be this way! With just a bit of planning and organization, you can have a stress-free and affordable holiday season. Here’s how:

1. Clear the clutter for cash.

Don’t get stuck staring at an overstuffed closet and drawers that refuse to close thanks to the new additions from holiday gifts. Instead, do some pre-planning that can also pad your wallet this season. Before the holidays, look through your closets and drawers for any clothing items you don’t wear any longer, but are still in good condition. You can sell these on resale sites like eBay and Craigslist. Do the same for unworn jewelry and other accessories. You’ll make room for any incoming gifts and give your holiday budget a little wiggle room at the same time.

2. Shop small businesses.

Avoid the crowds and enjoy a wider selection of gift items by shopping small businesses this holiday season. Independently-owned stores are more likely to be fully stocked, even late in the season. You’ll also be helping local businesses stay afloat during these trying economic times.

3. Suggest a Secret Santa exchange.

If the gift-shopping is getting to be a bit too much and you find yourself purchasing presents for people you don’t really know all that well, consider cutting back by suggesting a Secret Santa gift exchange. This works great for groups in which everyone knows each other, but may not feel particularly close, such as work colleagues or first cousins. You’ll only need to buy one gift for the group, and the surprise factor makes it super-fun. Use an online Secret Santa generator to keep things simple and fair.

4. Delegate.

If you’ll be hosting events this holiday season, or even if you’ll just be serving your immediate family, don’t be afraid to delegate jobs to your guests. Everyone will appreciate the opportunity to pitch in, and it’ll be more helpful for you if you can assign specific jobs to each guest, instead of having three people show up at your door, each with an apple pie. Tasks you delegate need not be limited to food prep, either. You can have a guest take charge of the drinks, let another take care of decor and have your teenager handle the invites and RSVPs.

5. Shop during non-peak hours.

Shop early in the day to avoid heavy crowds and empty shelves in your favorite stores. Peak business hours, which start in the early afternoon and run until the evening, will have the biggest crowds and emptiest shelves. If you can get to the store early in the day, you’ll enjoy a full selection after the restocking that most retailers do during the overnight hours, and you can browse in peace before the crowds arrive. Stress-free shopping also means you’re more likely to make responsible spending decisions, so it’s a win-win all around! (For more holiday shopping tips, read our article here.)

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CUNA 2023 diamond award trophy icon

CUNA 2023 Diamond Award Winner

Financial Education

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