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As prices skyrocket and budgets tighten, Christmas Shopping is at the forefront of many shoppers' minds. There's a whirlwind of sale searches, discounts, and shipping to make sure you're ready to gift that special person on that special day.

Before that, holiday shopping was part of the holiday experience. This was done along with family traditions and decorations. But this year, people started shopping around Halloween, with Christmas just around the corner. On the one hand, this gives you more room to do more on vacation. On the other hand, maybe you didn't know where to start or what you can do.

So where can we go from here? It's much further than you think. Yes, they look different, but a little prioritization and reorganization can help you stay on budget while still feeling the magic of the holidays.

It's all about perspective

Saving for Christmas is understanding what you care about most. People often get stuck in tradition and pressure themselves to recreate accurate memories without asking themselves if it fits their vision of the holiday.

In fact, Christmas may be one of the most adaptable holidays as it can be celebrated in many different ways and on different budgets. For those looking to save some money before the New Year, here are some suggestions to keep costs down and get you in the mood.

If you love family dinners

Food shortages and inflation have made food one of the most expensive parts of anyone's budget last year. After Thanksgiving is over, her big Christmas dinner may feel like overkill. Fortunately, there are many credit cards that offer cash back on groceries, such as the Citi Custom Cash℠ Card and American Express' Blue Cash Preferred® Card.

If you are used to being the only chef, have a few people join you in cooking a dish or two, overseeing side dishes and desserts while you process the main course. It's a great time to ask people to do, and you can even scale back your entrees. Instead of a kaiseki meal, you can make something delightful like pasta, soup, or pizza.This way, you can take the stress out of your meal and enjoy every bite.

If you love decorating

Decorating is often the first and easiest way. Christmas spirit, whether you choose to go with more traditional red and green trimmings or opt for snow-themed minimalism. However, it's also an area where it's easy to go overboard (there's always one very attractive decoration). It goes without saying that the list of ornaments can be long, depending on your living situation.

The best way to approach this is to create a vision, create a budget and list, and stick to it! please. Prioritize materials that can be reused next year, such as ornaments, lights, and lawn decorations. For his one-off ornaments such as garlands, you might be better off getting them cheaper on Amazon than William Sonoma.

A flat rate card, such as the Bank of America® Unlimited Cash Rewards credit card, can help with this process. Not only can you earn 1.5% cash back on all your purchases, no matter which aesthetic you choose, you can also use cash back on your Amazon purchases to get more decorations.

Usually when family members travel by plane

The aviation industry has taken a big hit over the last few years, and these days, taking a flight can feel like a gamble over whether the price is right or if the plane leaves the airport. This makes gatherings of all sizes more difficult than ever. It may be a shame we can't meet in person, but that doesn't mean we can't find ways to spend time together.

A simple way for loved ones to feel camaraderie is to make a video call while decorating the tree, coordinate activities such as cooking classes, or schedule a movie night to watch a Christmas movie. It is to The last option is especially useful for users looking to update their streaming service. There are plenty of cards that offer cashback on entertainment, like the Chase Freedom Flex℠, which gives you 5% back on streaming until the end of the month.

If you like to go out

If the year feels longer than usual and you need to stretch your legs, December is the perfect time to go explore. Local events such as ice skating and Christmas Markets are often easy to find with a simple Google search. You can also look for local businesses with Christmas events and potential sales if you need a last-minute gift.

Another option is to check if your credit card offers discounts on local events such as concerts. and sports games. For example, Capital One Experiences helps you find local events, and you can use the points and miles earned with your Capital One credit card for purchases.

Need a diversion

So you may be ready to spend Christmas in every conceivable way and take a break from the usual traditions. This might be the perfect time for a little trip. Instead of opening presents first on Christmas morning, get in the car instead. Take a day trip to a National Historic Site that might be nearby, find a spot to watch the sunrise, or stay in a hotel with a heated pool. This way you can avoid the inflated prices you found the day before and have a new experience.

Travelcards are perfect for short excursions. The Visa Signature card includes access to the Visa Signature Luxury Hotel Collection, with automatic upgrades, free in-room Wi-Fi and more at over 900 luxury hotels.

Other Cards, such as Marriott Bonvoy Boundless® credit cards, offer free nights to cardmembers who spend $3,000 in the first three months and after the renewal month. For those who don't want to travel too far from home, a card that rewards gas purchases can prove very useful during this time.


If not, Christmas is a holiday. In other words, it should be a break above all else. Whatever pressure you're putting on yourself to make it the perfect holiday or get the perfect gift, use it to enjoy your time instead. High time, experience should be an investment in your enjoyment.

So don't break the bank trying to keep the “holiday” image in mind. Do your best to create unforgettable memories with what you have while saving a few bucks along the way.