The holidays can be a whole vibe, but also a total financial nightmare if you’re not careful. I’ve been there—swiping my card for the latest “must-have” gift, spending my last dime on holiday decor that only lasts a month, and, of course, wondering how I ended up broke again come January. I mean, can we please stop pretending the holiday season doesn’t come with a spending hangover that we’re just supposed to accept?

But after watching the latest conversation on Money and Spending during the holidays on the Agenda Women YouTube Channel, I finally had a little moment of clarity. (Yes, I know… adulting). So, if you're like me, someone who loves nice things but doesn’t want to be that broke girl in January, keep reading. I’ve learned a few key lessons that might just help you survive the holiday season with your wallet and your sanity intact.

Lesson 1: The Holidays Don’t Have to Be a Financial Olympics

Alright, so here’s the thing. I love the holidays. The glitter, the sparkles, the outfits that are more “I’m rich, don’t talk to me” than “casual brunch vibes.” But last year? I spent a ridiculous amount on gifts, dinners, and random things I definitely didn’t need—looking back, it’s like my bank account was on life support.

What hit me in the video was this idea of setting a holiday budget before you start making impulsive purchases. The conversation emphasized the importance of planning ahead—not just a budget but realistic spending categories for gifts, food, and even that cute little holiday party dress you’ve been eyeing. It’s like, do I really need the sparkly shoes? Probably not. Will I feel cute in them? Absolutely. But I’m going to pass this year and thank myself in January 😅

Lesson 2: Let’s Talk Boundaries

I think we can all agree that family is a blessing, but also a lot. Like, really, really a lot sometimes. And when it comes to holiday gatherings, everyone expects a piece of your time—and your cash. I’m the type of girl who loves being the “hostess with the mostest,” but last year, I nearly ruined myself financially trying to please everyone. I was cooking, cleaning, buying gifts for the cousins I barely talk to, and running around like a headless chicken.

The video had a great nugget of wisdom: “Set boundaries and stick to them.” This doesn’t just apply to saying no to that extra “last-minute” gift (which is honestly always a trap), but it’s also about being okay with not attending every event or spending money you don’t have. I’ve started to get comfortable saying, “No, I’m going to pass on this event to save my coins for something else” without feeling guilty. And let’s be honest—there’s no shame in prioritizing your wallet and your mental health.

Lesson 3: Gifts Aren’t About Price, They’re About Thoughtfulness

Okay, so this is the one that’s been so hard for me to accept. I’m that girl who wants to give the best, most luxurious gifts to my friends and family. The “wow” factor is everything. But as I listened to the video, I had an “aha” moment. The best gifts aren’t necessarily the most expensive ones. They’re the ones that show you care.

It could be a handwritten card, a DIY gift, or even a cute, affordable memory from your adventures together. Last year, I bought a handbag for my bestie that cost me way too much, and guess what? It got lost in the chaos of the holidays. This year, I’m planning to do something more personal and thoughtful—something that feels good to give and doesn’t leave me stressing about my next credit card bill

Lesson 4: Spending Hangovers Are Real

You know the feeling. You get through the holidays, feeling great, thinking you've nailed it... until the credit card bills start rolling in, and suddenly, your fun holiday memories come with a side of regret. You start wondering how you’ll pay off those bills and how much of your savings you’ve wiped out in just a few weeks. Enter the dreaded spending hangover.

But guess what? This year, I learned how to avoid it. The key? Balance

I’m not here to tell you that you have to skip the gifts, the dinners, or the moments with family and friends, I’m just here to remind you how important it is to step back and remember what truly matters during the holidays: connection. The holidays are not about buying the most expensive gift or hosting the grandest party. It’s about being present, making memories, and spending quality time with the people you love. 

Okay, so that’s enough of my holiday finance therapy for today. But hey, you don’t have to just take my word for it — go ahead and catch the full convo on YouTube!