Holiday spending sneaks up

Gifts are only part of it. Food, travel, decor and giving add up fast, so plan them all.

Step 1: pick one total

Choose a number you can pay for without borrowing. Everything else is a slice of it.

Get the full 6-step plan

Worked examples and NRF 2026 survey data are in the guide. Example figures are hypothetical. General education, not financial advice.