The festive season sneaks up on us every year. We all know it’s coming, yet somehow it still catches our wallets off guard.

But it’s not too late to get your finances in shape before the holidays hit full swing.

Here’s how to keep the cheer without the credit hangover.

1. Start with a budget (and be brutally honest)

Write down everything you plan to spend money on, from gifts and groceries to petrol and holiday getaways. Be realistic about what you can actually afford.

If you’re getting a 13th cheque, remember: only a slice of it (about 20%) should go to festive fun. The rest must cover debts, school fees, or savings.

If your wish list is longer than your income, trim the trimmings, and get creative with your cutbacks.

2. Outsmart the shops

Spread your spending across November and December — buy long-lasting treats, wrapping paper, and gifts early. You’ll avoid the last-minute rush, and the impulse buys that come with it.

3. Shop with a plan, and a full stomach

Make a list, take cash, and leave your store cards at home. Hungry shoppers are reckless shoppers, so eat first. Studies show we make better decisions when our stomachs aren’t growling.

4. Don’t fall for “bargains”

Sales are designed to lure you in. That “too-good-to-miss” deal often ends in buyer’s remorse.

Skip the “buy now, pay later” traps. New debt is not a gift. You don’t want to be paying off Christmas long after the decorations come down.

5. Outsmart the kids

If you must take them shopping, set the rules early. Promise one small treat if they behave. It gives you the upper hand in the sweet aisle wars, or at least the illusion of it.

6. Save your time (and sanity)

Online shopping can be cheaper, faster, and temptation-free. If you’re after something specific, phone the store first to check stock before you drive.

And ask colleagues or friends for gift ideas. Someone else’s inspiration could save you a fortune.

7. Give the gift of time

Sometimes, the best present isn’t something you wrap. Offer a home-made voucher for a movie night, a home-cooked dinner, or a day out. Experiences make memories.

8. Get crafty

Homemade gifts add heart without draining your account. Try this: a R20 jar from Pick n Pay with a blackboard label, filled with homemade biscuits. It’s personal, affordable, and guaranteed to make someone smile.

9. Manage family expectations

Have a family “money talk” before the holidays. Be open about your budget and get everyone on board.

Put the total on a whiteboard in the kitchen and track your spending daily. You’ll be surprised how motivating it is when everyone’s in it together.

Set a gift limit with extended family too. Pool resources, draw names, or agree on one meaningful gift per person. A thoughtful token beats an expensive afterthought.

10. . Don’t forget Janu-worry!

The festive hangover isn’t just about too much pudding. It’s about school fees, uniforms, and books. Budget for those now.

Many people are paid early in December, so that money has to stretch until the end of January. Consider paying some “Janu-worry” bills early. That way, the money can’t vanish in the holiday haze.

Bonus tip: start next year’s fund now.

Label a jar “Holidays 2026” and drop in your loose change all year. Come next December, you’ll have a ready-made holiday fund, and one less thing to stress about.

With a bit of planning and a dash of discipline, you can end the year with joy in your heart and money still in your bank account.