Clever Girl Finance isn’t just about money. We are about freedom, choices, and confidence. We know how overwhelming finances can feel, especially when you’re juggling career, family, and personal goals. That’s why we’ve built one of the largest personal finance communities for women, with over 100,000 women learning, growing, and winning with their money together.When you subscribe, you’re not just signing up for financial tips, you’re joining a movement. You’ll get access to relatable, judgment-free advice designed to help you ditch debt, save consistently, and invest with confidence. We break down money topics in a way that’s simple, practical, and actually fun. Whether you want to build your first emergency fund, pay off thousands in debt, or finally start building wealth for the long term, we’ve got the tools and support you need. With our resources, tools, and strategies, you’ll know you’re not alone on this journey. Subscribe today—because your future self deserves the financial freedom you’re dreaming of!
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🎄💸 How to Set (and Keep!) Money Boundaries This Holiday Season!
We know the holiday season can be both joyful and stressful. There are more chances to spend time with loved ones, and the festive lights and decorations make everything feel a little brighter. But despite the cozy moments and hot chocolate, you might find yourself struggling with overspending...again.
Even if you’ve been disciplined all year, self-control can quickly fade amid dinner invitations, holiday parties, and gift exchanges.
Before you open a new line of credit to buy gifts for all eight nieces and nephews, let’s talk about something that can help: money boundaries.
Not sure what they are or how to set them? Don’t worry, we’ll walk you through how to create and keep them so you can enjoy the season and stay on track financially.
1. Start saying no to activities that don’t align with your money goals
Keep more money in your wallet by politely declining dinner invitations, holiday happy hours, and White Elephant parties, or anything that might jeopardize your budget.
Of course, no one likes saying or hearing no. Sometimes it’s easier to give in than awkwardly explain your financial situation. The trick is to plan ahead. Before you fall into a spending trap, practice the following:
Decide which events are most meaningful to you and attend only those
Know that you’re not a bad person if you say no
Need help declining invitations? Save and use the following phrases:
“I really appreciate the invite, but it's not in my budget right now.”
“I can't attend because I’m keeping things low-key this year.”
“I’m celebrating differently this year.”
“No, thank you.”
“I’m not able to contribute financially, but I’d love to help out in other ways.”
We know that saying no can feel awkward. Keep some affirmations on hand to remind yourself that it’s okay to choose yourself.
2. Have a plan B when it comes to group activities
This tip will require a bit of courage, but it’ll be worth it. When it comes to group dinners, holiday outings, and group gifts, don’t be afraid to suggest other options. For example, if your group is planning a holiday party, schedule it during happy hour to take advantage of drink deals.
Remember, you don’t have to agree with what everyone else suggests. Sometimes offering a more cost-efficient option can work out better for everyone.
3. Set a gift-giving budget
Let's create a gift-giving budget by first reviewing your current expenses and expected income. After paying your mandatory bills and putting money toward your goals, see how much you have left over.
That extra money is what you’ll use to create your gift-giving budget. This means the total amount you spend on presents shouldn’t exceed this limit.
If you're sharing gift-buying responsibilities with others, remember to communicate your spending limits with them. This will help you avoid surprise expenses.
If you don't have a lot of money to put towards gifts, consider inexpensive gift options, making your own presents, or giving your time and support instead.
4. Prepare for shopping triggers
As you start putting some of these boundaries into practice, you’ll still have moments when you’re tempted to spend. Avoid maxing out your credit card by identifying your spending triggers.
Do advertisements for limited-time sales make you feel anxious? Maybe one of your coping mechanisms for stress is doing a weekly Target or Walmart run.
Whatever tempts you to shop, make note of it and set boundaries so you don’t give in. This could mean unsubscribing from store email announcements or finding a new route to work so you don’t pass by your favorite shops.
If someone you know tends to trigger your spending, try having a conversation with them. Let them know you’re on a tight budget this year and need to prioritize your spending.
Spending triggers can show up in big ways, like buying $200 shoes to make you feel better, or just always buying something whenever you stop for gas. Pay attention to the more obvious triggers that are linked to an emotion. And don’t overlook the triggers that are attached to a behavior or routine.
5. Don’t compare your situation
We've mentioned the spending triggers; now let's talk about the guilt of not buying as much as you want. As humans, we naturally start to compare situations. You might feel shame because last year you were able to buy more gifts. Perhaps you feel bad because you can’t give presents to everyone in your life.
However, nothing good will come from comparing yourself. When your mind makes these connections, remember to bring the focus back to you and your unique situation. Remind yourself that you’re doing the best with what you have.
6. Don’t buy out of guilt
You probably have that one friend who buys you great gifts every year. As a result, you feel pressured to buy them something equally spectacular.
Before you buy that $90 electric foot massager that’s out of your budget, ask yourself the following:
Am I buying this because it will make a great gift, or am I buying this out of guilt?
Who am I buying this for and why?
Is this gift meaningful or just expensive?
Taking a moment to check your intentions can help you make more mindful decisions, and avoid unnecessary financial stress this holiday season.
7. Give in ways that don’t cost money
During the season of giving, consider reaching out to those in need. Volunteering at an animal shelter, donating food to a food bank, or participating in a park clean-up are all great ways to give back to your community.
Also, consider giving back to your network. Help your aunt prepare the holiday meals or offer to babysit for a friend.
Here are some other ways you can give back to your community or to friends and family:
Offer to clean someone’s house or mow their front lawn
Buy gas for someone or wash their car
Cook meals for others
Write a thoughtful letter
Host a family dinner
Giving in unconventional ways may not seem as exciting as gifting a new pair of headphones, but it’s far more valuable.
8. Focus on what the holidays mean to you
In addition to buying gifts, this time of year is about gratitude, generosity, and spending time with loved ones. That means you can celebrate however you please. Some people go all out and buy gifts for everyone they know, but that doesn’t have to be you.
You can use this time to slow down and focus on self-care. Remember, you don’t have to live up to anyone else’s standards. Celebrate in the way that best supports you.
9. Protect your peace and your wallet
Protecting your peace and your money is not selfish. You are not cheap or stingy for setting financial boundaries. When you understand this, you create space for yourself to enjoy the holidays more intentionally.
Even though our schedules get busy, it’s vital to carve out time for yourself. Go for a walk outside, read a book instead of scrolling on social media, or take a soothing bath. Small acts of self-care can make a big difference in keeping your peace and finances intact.
10. Have a support system
We’ve talked about accountability partners; someone who helps you stay focused on your goals. The same applies to the holidays. Reach out to your partner and share your goals and intentions so you can help each other stay on track.
Alternatively, you can create a small support system - a person or group of people you can turn to when you need to vent, share your thoughts, or get help with tough decisions.
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Having boundaries won’t make you the Grinch of Christmas. While setting limitations may feel uncomfortable, sticking to your boundaries will leave you feeling more satisfied with your financial decisions
Remember, no matter how many ads you see or how cheap an item is on Temu, you don’t have to spend money. Instead, focus on creating connection and joy, not consumption.
Whether you're just getting started, working on building wealth, or facing a major financial decision, our 1-on-1 coaching will meet you where you are—with zero judgment and 100% support.
PLUS when you sign up for a free course, you can schedule a completely free call with one of our amazing Clever Girl Finance mentors. WE ARE IN YOUR CORNER!
Some images and links in this newsletter are affiliate or sponsored links from companies we trust, which means if you make a purchase or sign up, Clever Girl Finance may get something in return. This helps us grow!
Take control of your life and achieve your financial freedom. Join over 100,000 women in our community!
Clever Girl Finance isn’t just about money. We are about freedom, choices, and confidence. We know how overwhelming finances can feel, especially when you’re juggling career, family, and personal goals. That’s why we’ve built one of the largest personal finance communities for women, with over 100,000 women learning, growing, and winning with their money together.When you subscribe, you’re not just signing up for financial tips, you’re joining a movement. You’ll get access to relatable, judgment-free advice designed to help you ditch debt, save consistently, and invest with confidence. We break down money topics in a way that’s simple, practical, and actually fun. Whether you want to build your first emergency fund, pay off thousands in debt, or finally start building wealth for the long term, we’ve got the tools and support you need. With our resources, tools, and strategies, you’ll know you’re not alone on this journey. Subscribe today—because your future self deserves the financial freedom you’re dreaming of!
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