The holidays are a time for joy, family, and celebration—but they can also strain the wallet. Jodie Orel, Financial Advisor with Primerica, shares strategies to help families stretch their budgets, reduce stress, and enjoy the season without overspending. From setting a budget to giving meaningful experiences, these tips keep spending on track and make the holidays more manageable and memorable.
Set a Holiday Budget (and Stick to It)
Decide your spending limit for gifts, food, and travel in advance. Treat it like a financial goal and commit to it.
Use Cash or Debit for Gifts
Avoid holiday debt by paying with cash or debit. It keeps spending real and helps you manage purchases without overspending.
Shop Early and Strategically
Spread purchases over several months to reduce stress. Take advantage of sales, and avoid last-minute splurges that strain your budget.
Give Experiences, Not Just Things
Consider tickets, family outings, or handwritten “coupons” for shared time. Experiences often cost less and create lasting memories.
Plan For Next Year Now
After the holidays, start setting aside a small monthly amount in a “holiday fund.” Even $50 a month grows into $600 by next season.
For more than 30 years, Jodie Orel has guided families toward financial confidence through retirement planning, debt elimination, and long-term wealth building. Having raised two children in the area, she is deeply committed to the people she serves and proud to call this community home. Connect with Jodie at 1200 NW S Outer Rd, Suite 112, or call (816) 403-4747.