Hi my name is Denise and I am cofounder of The Wealth Culture and creator of Budgeting is BAE.

And these are my tips on how to financially rock the holidays.

The holidays are a special time of the year. They are super fun, super exciting but can be super stressful and super expensive.

Tip #1: Making a list and check it twice.

What is your ideal Christmas?

Who are you buying gifts for?

Think about friends, family or even co-workers.

What holiday events will you go to?

Are there any parties or shows that you like to attend?

Are you hosting a holiday dinner or participating in a pot luck?

And what about decorations?

Knowing this will help you create a budget for your holiday spending.

Tip 2: Start saving early with a separate account for holiday expenses.

Saving a little bit each month throughout the year leading up to the holidays is a great way to relieve stress from the expenses of holidays. Save your Christmas money in an account dedicated to Christmas shopping. Doing this will eliminate the need for scrambling and plotting on how to make ends meet.

Tip 3: Make the most of your Christmas purchases.

Be sure to use any discount and reward programs you belong to. You can often combine and stack reward programs. For example. Many debit and credit cards offer rewards for shopping. You could combine that with shopping through a site like Ebates which offer rebates for using them as a gateway to your favorite retailers.

So while you are shopping for others you get a little return for yourself. Be sure to payoff credit card purchases right away with the money you saved with step 2. This will ensure you don’t accrue any interest.

Lastly, take note of your expenses during this holiday season. And apply these tips for next year’s Christmas shopping. You will have peace of mind and you won’t have Debt to worry about come January.

I am Denise and these are my tips to help you financially rock the holidays.

What are some of your tips for saving money during the holidays? We would love to hear from you. :-)