smart spending

7 ways to stick to your holiday budget

Track your expenditures
Next
6 of 9
Back
Track your expenditures

"You can go high-tech or low-tech with tracking," says Kay.

People who understand programs like Microsoft Excel can keep a running total of what they've spent on their smart phones to stay within their budget. A small notebook works just as well.

"Just make sure that whatever you use is accessible to your entire family, in case someone else makes a purchase that needs to be logged," says Kay.

If you've allotted $50 for Aunt Harriet's gift because that's the best price you found in your research and you find a sale where it's $15, you can shift the balance of your aunt's limit to someone else. But, if you expect to save money and stay out of debt, don't go over the $50 cap.


 

 

advertisement

Show Bankrate's community sharing policy
          Connect with us
MORTGAGE HOME EQUITY AUTO CDs CREDIT CARDS
Product Rate Change Last week
30 year fixed 4.08%  0.04 4.12%
15 year fixed 3.23%  0.02 3.21%
5/1 ARM 3.46%  0.16 3.30%
 
View Rates in your area Next
Product Rate Change Last week
30K FICO-based HELOC 4.30%  0.01 4.29%
50K FICO-based HELOC 4.06%  0.02 4.04%
100K FICO-based HELOC 3.91%  0.02 3.89%
 
View Rates in your area Next
Product Rate Change Last week
60 month used car loan 2.82%  0.03 2.79%
48 month used car loan 3.01%  0.02 2.99%
60 month new car loan 3.25%  0.01 3.24%
 
View Rates in your area Next
Product Rate Change Last week
1 Year CD 0.97% --0.00 0.97%
2 Year CD 1.18%  0.01 1.17%
5 Year CD 1.81%  0.05 1.76%
 
View Rates in your area Next
Product Rate Change Last week
Balance Transfer Cards 15.75% --0.00 15.75%
Cash Back Cards 16.45% --0.00 16.45%
Low Interest Cards 10.96% --0.00 10.96%
 
Next
advertisement
FRUGAL NEWSLETTER

Discover new ways to cut costs and save more every day. Reduce your spending, not life’s pleasures. Delivered weekly.

advertisement
Partner Center
advertisement

Connect with us