We share a simple plan to enjoy the holidays without debt or stress, from setting a real budget to spotting fake sales and making meaningful gifts. Practical steps help you find last‑minute cash, use credit wisely, and start saving for next year now.• setting a holiday budget at 10% of take‑home pay• using last‑minute tactics like no‑spend weeks and canceling subscriptions• automating short bursts of savings and round‑ups• comparing prices and separating real deals from hype• leveraging gift card bonuses for instant value• using credit cards only with a clear payoff plan• choosing homemade and low‑cost meaningful gifts• opening a Christmas Club or dedicated savings for next yearSubscribe to the Money Matters Podcast, and visit neighborsfcu.org slash financial wellness for more tools to help you build a strong financial futureHave an idea for a show or a question for Kim? Send us a text messageSupport the showWelcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.