Holiday shopping can get expensive if you're not careful. But don't worry — there are plenty of ways to keep your budget in check while still giving your friends and family amazing gifts they’ll love! These tips will help you make the most of the season without breaking the bank.

Make a List (and Check it Twice!)

This simple step can make all the difference. Write down everyone you need to buy for and set a budget for each person. Having a clear list will help you stay organized and focused, making it easier to resist impulse purchases.

Start Shopping Early

The sooner you start, the easier it is to spread out your spending and avoid that last-minute financial crunch. Try to pick up gifts whenever you see good deals. Create a dedicated space to store them and consider wrapping them early. Just be sure to keep everything hidden from prying eyes!

Get Crafty -- Make Your Own Gifts

Handmade gifts are personal and often more meaningful. Plus, they can save you a lot of money. Handmade items like candles, soaps, baked goods an even clothing can make wonderful, thoughtful gifts.

Shop Black Friday and Cyber Monday Sales

Don't miss out on the big savings during Black Friday and Cyber Monday. Whether you're holiday shopping in stores or online, these sales often offer some of the biggest discounts of the year. Plan ahead and take advantage of early-bird deals to get the best prices.

Redeem Rewards and Rebates.

Holiday shopping can get hectic, and sometimes we forget about the rewards and rebates we’ve earned throughout the year. Don’t let them slip through the cracks! Many stores offer rebates or rewards points that can be redeemed for discounts or even cash back. Also check for discount codes. They can save you a lot at checkout.

Stack Coupons for Extra Savings

Coupons are your friend during the holidays, and some retailers allow you to stack them with sales for even bigger savings. Stores like J.C. Penney and Bath & Body Works, for example, often let you combine coupon discounts with existing sales. It’s a smart way to stretch your budget further.

Use Cash-Back Apps and Websites

If you're shopping online, consider using cash-back apps or websites that give you a percentage back on your purchases. While the cash may not hit your account until after the holidays, it's money that’s coming back to you. Plus, many of these sites offer additional discount codes to help you save even more upfront.

Need Help With Your Budget?

Keeping track of your budget and expenses throughout the holidays might sound like an impossible task. But what if it was done for you?

Horizon's free online budgeting tool, Money Tracker, automatically categorizes spending so you can know exactly how much you've spent on gifts with just a glance. It syncs securely with your accounts, even accounts from other financial institutions, and displays your information all in one place.

Monitoring your holiday spending just got way easier. Visit HZCU.ORG/MONEYTRACKER to learn more!