Start Smart: 5 Financial Moves You Must Make Before the Holiday Spending Hits
Start Smart: 5 Financial Moves You Must Make Before the Holiday Spending Hits
The holiday season is almost here — but you don’t have to wait for December to regain control of your money.
Before the Black Friday deals, gift lists, and holiday expenses start stacking up, you can make 5 key financial moves today that will safeguard your budget, reduce stress, and set you up for real progress this year.
At Lionhood Financial Coaching, we believe you take ownership of your future by preparing ahead. These steps will help you not only survive the season — but thrive through it.
1. Zero-in on Your Holiday Budget Now
Don’t wait until you’re surrounded by sales and “must-have” items. Sit down this week and do the math:
- List every person you plan to buy for
- Estimate how much you can comfortably spend for each
- Set a total holiday budget that fits your real income
This pre-emptive action gives you control instead of letting deals control you.
2. Create a “Holiday Fund” or Sinking Account
Rather than charging expenses and dealing with regret in January, start setting aside a small weekly amount now.
Even $20 or $50 per week adds up before the big spending season.
Consider using a separate savings account labeled “Holiday 2025” so the funds are reserved and visible.
3. Review Your Cash Flow and Trim One Expense
Go through your recent bank or credit-card statements and identify one monthly recurring expense you can reduce or eliminate.
Apply the savings directly to your holiday fund or debt payoff.
This simple shift creates breathing room in your finances and builds momentum for financial stability.
4. Plan Your Side Income Strategy
The best financial decisions combine cutting costs with building income.
Think about one side hustle or extra income method you can start this month — maybe a freelance gig, virtual bookkeeping job, or short-term rental.
By November you can already be earning, not just spending.
5. Align Spending with Your Values
The holidays are a powerful time to reflect on what matters most to you and your family.
Instead of reacting to every deal or impulse, ask:
- Does this purchase reflect my values?
- Will it bring joy or just another charge on my card?
- Does it fit my long-term financial freedom plan?
When spending aligns with purpose, it doesn’t steal your peace — it reinforces it.
How Lionhood Financial Coaching Can Help
If you’re ready to move from “budget survival” to “budget mastery,” Lionhood Financial Coaching is here to walk with you.
We help clients:
- Build custom budgets that handle seasonal demands
- Launch side-income strategies that complement their goals
- Automate systems for savings, tracking, and financial review
👉 Schedule your coaching session today
Take this moment to be proactive. The best financial December is built in November.
Your future freedom begins with your moves today.