Helping You Do the Holidays — Without the Financial Stress

The holidays are supposed to bring joy — not bills that last until spring. But with prices still climbing at the grocery store and the gas pump, it’s easy to see how stress can sneak into the season. In fact, 67% of Americans say they’re living paycheck to paycheck right now. Even those with steady incomes are feeling the squeeze.

The good news? You can still enjoy the season, your traditions, and your people without overspending. Here are a few ways to help you do the holidays a little differently this year.

1. Over the River and Through the Woods… on a Budget

If travel is part of your plan, a few small tweaks can save big.

The best gifts don’t come from a store. They come from moments like this.

• Skip the rush days. If you can, avoid traveling on the Wednesday before Thanksgiving or the weekend before Christmas, it’s cheaper and a whole lot less stressful.

• Pack light. Baggage fees add up fast. A carry-on challenge might just earn you bragging rights and save money.

• Share the ride. Carpooling with family or friends splits gas, tolls, and playlists.

• Go virtual. Can’t swing the trip this year? Schedule a video call “holiday dinner” with family and share dessert through the screen. Connection doesn’t require travel.

2. Feast Without the Financial Hangover

You can host a great gathering without draining your wallet.

• Potluck it up. Everyone loves contributing their favorite dish.

• Choose budget-friendly favorites. Pasta bakes, casseroles, and chili feed a crowd and stretch your dollar.

• DIY the décor. A little greenery, candles, or a string of lights sets the mood beautifully.

• Skip the extras. Matching napkins won’t make memories — laughter will.

3. Gifts That Don’t Break the Bank

Thoughtful doesn’t have to mean expensive.

• Draw names. Try a Secret Santa or family gift exchange instead of buying for everyone.

• Set a limit. Keep it fun and fair by capping spending at $20 or $30 each.

• DIY from the heart. Homemade cookies, candles, or framed photos never go out of style.

• Give time. Offer babysitting, dinner, or a coffee date coupon. These gifts often mean the most.

5. Wrap Up the Year with a Plan

A little prep now makes next year smoother.

• Create a holiday budget. Know what you can afford overall, then split it into categories: travel, gifts, food, décor.

• Track as you go. Use your 1st UCU online banking tools or app to stay on target.

• Start a holiday fund. Even $10–$20 per paycheck adds up fast. By next December, you’ll thank yourself.

You Don’t Have to Do This Alone

If you’re feeling stretched thin, remember — you’re not on your own. At 1st University Credit Union, we’re here to help you do life with confidence. Members have free access to GreenPath Financial Wellness, which offers budgeting tools, debt counseling, and personalized advice to help you find balance again.

Visit culink.net/financial-coaching to learn more or connect with a financial coach today.

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_{Much appreciation goes to our partner, GreenPath Financial Wellness, for the inspiration for this artcle.}