The holidays are meant to be a time of joy, gratitude, and connection – not financial stress. Yet each year, many Americans find themselves overspending or feeling anxious about the costs of celebrating.

According to Deloitte’s 2025 Holiday Retail Survey, the average consumer plans to spend about $1,595 this holiday season, and 77% expect higher prices on everything from gifts to travel. It’s a reminder that the most festive time of year can come with unnecessary pressure.

The good news? A little preparation and a few mindful choices can go a long way in helping you make the most of the season.

Below are a few ways to plan and celebrate this season stress-free.

1. Start with a plan you’ll feel good about
   Before the shopping begins, take a few minutes to decide how much you’re comfortable spending this year. Include everything that adds up – gifts, travel, decorations, meals, and charitable giving. Setting a clear budget not only keeps you on track but also gives you permission to enjoy the season guilt-free. Studies show that people who set spending limits early are less likely to experience post-holiday financial stress.
2. Focus on experiences over expenses
   The most memorable gifts don’t always come in wrapping paper. Experiences – like baking with family, attending a local event, or volunteering together – can create more lasting joy than anything that fits under a tree. Research from Cornell University found that experiences tend to bring more long-term happiness than material possessions, largely because they build shared memories.
3. Shop with intention
   Holiday deals can be tempting, but a thoughtful approach helps your budget (and your sanity). Make a list, compare prices, and avoid impulse buys. Shop early and try using cash or debit for purchases; people tend to spend 12-18% less when they actually see the money leave their wallet, per an often-cited study by Dun & Bradstreet.
4. Give yourself the gift of confidence
   As the year winds down, it’s also a great time to check in on your bigger financial picture. Reviewing your goals, savings, and investment strategy can help you start the new year with clarity – and maybe even identify a few opportunities for growth.

The bottom line
With a little planning, you can enjoy the holidays without letting finances steal the spotlight. Celebrate the season, create meaningful memories, and start the new year feeling refreshed and ready for what’s ahead.

If you’d like to discuss your year-end financial picture or goals for 2026, please connect with your BridgePort advisor.

Happy spending!