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Whether you can’t get enough of the holiday season, can’t wait until it’s over, or fall somewhere in between, everyone is vulnerable to overspending during this time of year. Constant sales, relentless marketing, holiday houseguests and unrealistic expectations can all lead to overspending. Here’s how to recognize common holiday spending triggers.

The Marketing Monster

The holiday marketing blitz is on. Endless emails, too many text messages and festive commercials might put you in the holiday mood, but they’re not friendly to your budget. The constant repetition and promises of unbelievable bargains or limited-edition gift opportunities can lead you to spend money you weren’t planning on.

To keep more of your money where it belongs, unsubscribe from marketing emails and text messages and mute or fast-forward through holiday ads. Remember, nothing is a bargain if you don’t need it and weren’t planning on buying it in the first place.

Home Invaders (The Good Kind)

If your family loves getting together for the holidays, you’ll probably be welcoming some houseguests between now and the New Year. Being out of your normal routine and having more people in the house is a sure recipe for spending extra money. Instead of focusing on perfect decorations and serving gourmet meals, just enjoy spending time together. Your guests are not expecting to stay in a luxury hotel or perfectly appointed Airbnb, but in your comfortable home, just as it is.

Read more about how to save money when hosting houseguests.

Elevated Expectations

No matter which holidays you celebrate, you probably feel pressure to make them perfect. Social media images of picture-perfect holidays can create FOMO and unrealistic expectations that are impossible to live up to. You can spend and spend and still feel like you’re coming up short. That’s why it’s important to focus on what’s important to you and your family. Your decorations, your traditions, and your happiness are more important than posting impressive photos just for likes.

Gifting Gone Wild

Much like recent shifts in tipping culture, the expectations for who you should give a holiday gift to have gotten a little out of control. Don’t feel pressured to give gifts to everyone in your familial, social or professional circles and don’t get talked into giving gifts you can’t afford.

Talk with your family, friends and co-workers about how everyone wants to handle gift-giving and come to an agreement everyone is happy with. Rather than exchanging multiple individual gifts, you could pick names, do a white elephant gift exchange or pool your funds and use them to sponsor a less fortunate family with gifts and food for a holiday meal.

And don’t forget the option of regifting. If you do it carefully, it can help stretch your gift budget. Just be sure to follow these rules of regifting.

The Holiday Blues

Even if you love the holidays, the most wonderful time of the year can also be the most stressful. And if you’re not a fan of this season, the pressure to pretend you’re enjoying yourself can leave you feeling drained and depressed. Feeling “the blues” can be one of the most common holiday spending triggers. Rather than shopping your feelings away or trying to spend yourself into a better mood, talk with someone about how you’re feeling. Whether it’s a trusted friend, family member or mental health professional, you might be surprised to find you’re not the only one feeling down this time of year.

Read more about ways to manage holiday stress.

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