USC Credit Union Blog

USC Credit Union Blog

Post-Holiday Blues: Tips to Recover from Holiday Spending


The holidays can be one of the most stressful times on your budget. Now that the holidays are through, it’s important to take a look at your financial well-being and get back on track in the New Year. Here’s some tips to help you recover and minimize debt from holiday spending.  

Look Back and Review  

Before you can go about nursing your finances back to health, you must first assess the damage. Figure out how much you spent, how much you owe on your credit cards, and how soon you’d like to pay these debts off. Reassess your budget and try and dedicate some extra funds to holiday expenses each month.


Use New Year Resources Wisely

The holiday season and New Year can bring financial benefits like holiday bonuses and tax returns. Use this extra cash to help pay down any debts and get you back on track.


Rearrange Your Budget  

Big expenses call for an overhaul of your normal budget. Look at your budget and see what changes you can make. Is there a monthly subscription you can live without? Could you cut back on your Starbucks consumption? Try cutting back in small areas while you recover. Remember it only has to be temporary!


Start Planning for Next Year

Learn from your experiences this holiday season and try budgeting for holiday gifts and expenses as much as possible. It’s never too early to start saving. Consider saving as little as a few dollars a week in a savings account. Anything helps!


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