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How to Maximize your Holiday Budget

We have ten full weeks before it’s Christmas time.  Soon you will be shuffling around to find those perfect gifts, wrapping your little hearts out and then it happens the reality that you have spent a ton of money.  Whether you have the money to spend or not, it’s time to start preparing hardcore. Because who doesn’t want to still come out on top after Christmas.  I know what your thinking, you probably haven’t even gotten your kids Halloween costume yet, and then there is Thanksgiving preparations.  It all comes so fast, but with these simple how to maximize your holiday budget tips will help you rock this holiday season.    

how to maximize your holiday budget. yes there is an app for that

How to maximize your holiday budget.

Put away $40 each week for the next 10 weeks

What’s $40 a week in your world?  For our family of five it means we would have to skip out on just one fast food meal a week.  Totally doable and it’s perfectly fine to opt for another budget friendly meal in a week. Sandwiches, anyone?!  In just ten weeks you will have an extra $400 saved up.  I can knockout quite a few of my favorite peoples wishlist with that extra savings.  

Savings Apps Pay You Back and Save you Money 

Are you using your smart phone to save you money?  How about earn you some cash? Here are the apps I am currently obsessed with when it comes to saving and earning. I have all of these apps in a folder on my iPhone.  Right before I run into my favorite stores or grocery shop I check out these apps and look for any potential items I could use.  Extra bonus if you happen to have a manufacturer coupon for any of these items found on the apps.  You are able to use a coupon and still get the deals found on these apps. 

Ibotta is available on google play and the App store.  Simply go here to get the app and start earning money. The app will save you money when you make purchases for the items available on the app.  All you have to do is scan the item at home and snap a pic of your receipt.  Give Ibotta a day or two to verify and you will have money sitting in your account.  When you are ready to cash out (minimum $5) you can get your savings sent to your paypal, Venmo, starbucks, regal or itunes.  SWEET, right! 

Snap is available on google play and the App store.  Simply go here to get the app and get cash back for your purchases.  Snap allows you to cash out via check with a minimum of $20.

Shopmium available on google play and the App store.  Simple go here and use my referral code: YHYMAFPW to score a FREE Lindt chocolate bar. Shopmium has no minimum to cashout, just request money to your paypal account or request a check.

Target Cartwheel because we can never get enough target, this app is perfect.  You will need to use it in store as opposed to the apps above that you can do at home.  It’s still very simple though, just look for offers and make sure to add them to your apps barcode.  When you go to pay, show your cashier the barcode.  They will simply scan your phone and then you will automatically get the discount on any items you purchased that are in the offers you clicked on.

Take a Realistic Approach to Gift Giving 

Make a list of everyone outside of your immediate family that you plan to give a gift to.  Cousins, teachers, neighbors…  Start thinking about good gift ideas and make a budget for each.  It’s a great idea to ask around about things they may be wishing for.  Ask parents of younger family members if there is anything that their child has been wanting or is in need of.  Put a limit on your spending for each person. 

Start Shopping Now 

Start shopping online and in-store for great deals.  Keep your eyes out for deals and discounts on hot ticket items.  

When  shopping online I am a huge fan of ebates, before you go to a site to shop start at ebates.  Did you know that even Amazon shopping will earn you extra cash back at ebates?  Awesome!!  Ebates pays you quarterly for the previous purchases you have made when you start with them.  I just earned $25.46 sent to my paypal account (or they will mail you a big fat check) for a purchase I made.  A few of my favorite places to find amazing gifts at amazing prices are Amazon, Kohl’s and Target.


Game on, it’s time to start saving money and prepare for the holidays.

Michelle Cantu is a digital influencer who built a thriving community dedicated to supporting parents and inspiring moms to stretch their dollar. Michelle homeschools her 4 kids and lives right outside of San Antonio, Texas.

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