Create a spending plan : Start with an amount you’re comfortable spending—either use savings you’ve set aside, determine your discretionary.
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Take stock of existing resources : You’ll need extra items if you’re doing something special this year, like hosting the family get-together.
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Review credit card balances first: You may even be able to reallocate some of the holiday money toward paying off a credit card as a gift to yourself.
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Get your shopping done early : Some retailers start diwali sales in September! Be sure to check for deals and coupons online to help with saving for holidays.
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Use cash, not credit cards : If you’re likely to overspend, using cash over a credit card might be better. Cash is more tangible than credit.
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Make a savings pact : Your loved ones are probably feeling financial pressure, too. Ask them to join you in a savings pact.
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Limit spending on yourself : it’s easy to spend too much on yourself. While there’s nothing wrong with rewarding yourself, be aware of your extra spending and keep a limit on these items.
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