Why September is the Perfect Time to Start Planning for Holiday Expenses

Summer fun is winding down, and before we know it, the holiday season will be in full swing. While September might seem a little early to start thinking about the holidays, trust us—getting a jump on your holiday planning now can save you a ton of stress (and money) later. Here’s why September is the perfect time to start planning ahead for holiday expenses.

1. Spread Out the Spending
The holidays can be a real budget–buster if you aren’t careful. Starting to plan (and shop) in September spreads your spending over a few months instead of a few weeks or days. This way, you avoid that dreaded credit card statement shock in January.

2. Take Advantage of Sales
September is packed with sales: back–to–school, Labor Day, end of summer, you name it. If you start keeping an eye out now, you might score some great deals on gifts, decorations, and even travel. Why pay full price later when you can snag a bargain now?

3. Build Your Holiday Fund
If you haven’t already, now’s a great time to start a holiday savings fund! Setting aside a little bit each week between now and December can add up quickly. Whether it’s for gifts, festive meals, or that getaway you’ve been dreaming about, having a dedicated stash of cash makes the holidays much less stressful.

4. Avoid Last–Minute Scrambles
We’ve all been there. Running around the mall (or clicking “add to cart”) like a madman, trying to find the perfect gift at the last minute. By planning ahead, you can avoid the chaos and actually enjoy the holiday season. Plus, you’ll have time to put more thought into your gifts, making them even more special!

5. Travel Smarter
If you’re planning to travel during the holidays, booking early can save you big time. Airfare, hotels, and car rentals tend to skyrocket as the holidays approach. By getting a head start on your travel plans, you can lock in better rates and have more options to choose from.

6. Create a Budget and Stick to It
Now’s the time to sit down and figure out what you’re willing and (more importantly) able to spend on the holidays. Creating a budget in September gives you a clear roadmap to follow, helping you avoid overspending and a financial hangover heading into the new year.

Get Started with Old Ocean Federal Credit Union

Ready to get ahead of the game? We’re here to help! Whether you need advice on setting up a holiday savings account or tips on budgeting, Old Ocean Federal Credit Union has your back.

Let’s make this holiday season your most financially smart and (mostly) stress–free one yet!