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Avoiding the Holiday Hangover

hungover man with coffee in hand Ah, the holiday season. As soon as Thanksgiving ends you can’t go anywhere without hearing the familiar sound of classic carols and smelling a faint pine scent wafting from some undisclosed location. Is it a pine scented candle, or is it a real pine tree? Nobody knows and nobody cares. Because it’s Christmas time. And that means this is all perfectly normal and magical. (According to every Hallmark movie ever made, so it has to be true.)

Retailers love it, and airports thrive on it this time of year. It’s the, “but it’s the holidays!” feeling.  And that’s 100% correct. It is the holiday season. But then January comes and it’s more of a “…it was the holidays…right?...” feeling when you check out the aftermath in your account.

This is what we like to call the holiday hangover. The spending is fun in the moment, but eventually it’s gonna hit you like a ton of bricks. Unless you *shudder* budget. Yup, I used that hated, overused word. We all know we should probably save ahead of time, and for whatever reason it’s one of those things that gets put off. But what if it was easy? Like, automatic easy?

I’m talking automatic transfers - monthly, every other week, weekly, whatever works for you - into a separate account that ONLY gets used for the holidays. Maybe that means you have to label it, “MY LEFT HAND WILL BE REMOVED IF I TOUCH THIS ACCOUNT BEFORE DECEMBER.” Or maybe you disconnect that account from online banking so it takes more work to use the cash. Having to call in or physically enter a branch might make you to think a bit before moving that money around or getting the cash… We won’t tell you what to choose – it’s all about what’s going to work for you. And there’s more than one way to get there.

I know the holiday season is already in full swing, so saving ahead for this year is probably out. But the holidays come every year without fail. It’s not too early to make a New Year’s resolution, right?

Plus, who knows…if you come see us we might even light a pine scented candle for you.

 

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