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20s having fun

How to save money for the festive season when you're in your 20s

Experiencing the festive season in your 20s can mean many different things. You may be single and attending university, or you may just be starting out in your career. On the other hand, you may be getting married, are already married, or have kids to take care of. To help you save money for Christmas festivities when you’re in your 20s, we’ve created a few tips for you no matter what stage of life you’re in.

  1. Create and use a budget - and then stick to it! It’s easy to go shopping and end up overspending, but if you carry a budget with you, you’ll have a reminder of how much you can afford to spend. With your budget, write down the names of all the people that you’re buying for and then write down an amount that you can spend on that person.
  1. Start saving for Christmas gift giving long before the festive season arrives. One costly mistake that people can make is waiting until the last minute to try and figure out how they’re going to afford buying gifts. If you start saving money a few months or even a year ahead of time, you’ll be better prepared.
  1. Another way to plan in advance is to go shopping after the current Christmas for next Christmas. Many retailers will reduce the cost of items that they have overstock of, giving you a chance to save money before the next holiday season even begins.
  1. If you’re concerned with giving gifts to roommates or co-workers, you may want to opt for a secret Santa where you pick a name and buy for one person instead of everyone that you live with or work with.

Of course any of these ideas can be used by people of all ages to save on Christmas gifts and other holiday expenses, but when you’re just starting out in life as a young adult, learning how to save now can pay off big later.

And for those recently married or planning to get married soon, check out this post - Seven money management tips for newlyweds!

 

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