Ready or not, the holiday season is here, and it’s time to think seriously about your money. There’s lots to buy and spend this month. And if you’re not careful, it’s your bank account that will look frightful, not the weather! So, here are 10 easy ways to save money even with all the gift-giving and holiday cheer.

Make your own coffee

Yes, festive holiday lattes are such a yummy way to start your day, but they’re a great way to go broke, too. Instead, make your own Christmasy coffee at home!

Pack a lunch

If you’re in the habit of eating out every day, try to scale back and pack a lunch instead. You can save lots this way, and also eat healthier, too. 

Workout at home

If possible, take a break from fitness classes and workout with some YouTube videos. There are many to choose from, so it’s an easy and free way to keep off the holiday pounds. 

You only need one dress

Buying several holiday dresses sounds like a great idea until you can’t afford the events you bought them for. Stick to one, glamorous piece. You’ll still have a good time. Promise!

Homemade gifts are delish

It might be hard to create a handmade object that your friend actually likes and needs. But a tasty, edible gift is always a hit – and also much more cost-effective, too.

Try Secret Santa

Instead of everyone buying everyone else a gift, try Secret Santa. Here, everyone draws a name and has to buy a gift for that person only. What a relief!

Forecast your expenses

This is an expensive time of year. There’s no way around it. But you can plan ahead and know where you’ll probably spend money. So, create a budget for gifts, outfits, transportation, dining out, etc. This helps you avoid surprises. 

Cancel your subscriptions

Subscriptions of any kind are convenient, but are they really necessary during December? Chances are, you can do without.

Always use a discount code

Be savvy and look for discount codes online. Even if you “only” save 10%, it’s still money in your pocket.