Lessen the Holiday Stress

With Budget Advice from Vantage Financial

Article by Elizabeth A. Lowry

Photography by Stephanie Meinberg

Originally published in Loveland Lifestyle

The holidays fall at the same time every year, yet I always wait till the last minute to start shopping, spending way too much, way too quickly, and blowing my budget (if there was even one to begin with). After all, there’s always next year, right? 

If you’re like me and have trouble sticking to a budget (this month or all year long), the experts at Vantage Financial can help. 

’Tis the (Spending) Season 

Wealth and Tax Advisor Jarrod Hart, CFP®, ChFC®, CRPS®, says that a budget is essential for finding balance and avoiding holiday financial stress.

“Financial stress often accompanies the season as people tend to spend more on gifts, travel and hosting. Social and family pressures can push individuals to exceed their budgets, while clever marketing and great sales can lead to impulsive spending,” he shares. “To manage this stress and avoid long-term financial consequences, effective budgeting and planning are crucial.”  

How Vantage Financial Helps 

Vantage Financial meets their clients where they are, helping clients with individual goals. Implementing a budget is one way to help people take charge of their finances—both around the holidays and throughout the year.  

“The budgeting process is one piece of the financial planning puzzle, and it looks different for everyone,” Jarrod says. “However, the general principles remain the same—clarifying, quantifying, and prioritizing personal and financial goals.” 

While Jarrod admits budgeting is a learned skill and sticking to it during the holidays is a challenge, he reminds us that now is the hardest part—if you stick to your plan now, the rest of the year should be easier. 

“Prove to yourself this holiday season that you can follow a budget—and start the year off with healthier financial habits and less consumer debt,” Jarrod says.

Interested in financial planning or need help budgeting from a company who will partner with you to help achieve your financial goals? Vantage Financial offers in-person and virtual consultations. | 7884 Remington Rd, Cincinnati | 513.239.2933 



4 Tips for Balancing the Holiday Budget 

Implement these ideas now to get more enjoyment out of your holidays later.  

  1. To avoid buyer’s remorse and high credit card balances, be sure to plan for the season by creating a “holiday fund” and slowly put money aside throughout the year. (Review last year’s holiday expenses in advance and expect to spend 4-5 percent more this year.) 

  2. If you didn’t (or can’t) plan 11 months ahead, that’s okay. Start budgeting as far out as you can and stick to it. Start shopping earlier if possible to spread out your purchases.

  3. Set holiday spending limits with relatives and friends. 

  4. Remember: Simple is better, and personalized or homemade gifts are acceptable, too. The best memories are made by spending time with loved ones. 

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