City Cast Madison logo

Curb Your Holiday Shopping Habits With These Tips

Posted on December 7, 2022   |   Updated on September 30, 2025
Bank of Sun Prairie

Bank of Sun Prairie

Photo by Heidi Fin / Unsplash

Photo by Heidi Fin / Unsplash

This is a sponsored post from Bank of Sun Prairie. It was not written by the Madison Minutes news team.

When it comes to holiday spending, it’s easy to get carried away. After all, what could be more fun than vacationing, opening presents, and spending time with loved ones? That said, it’s essential to ensure you focus on the things that matter most rather than overspending on frivolities.

To help you keep your spending in check, here are some thrifty tips to keep you from blowing your holiday budget.

Create a Holiday Budget

Start by creating a realistic budget if you’re worried about going overboard on decorations, party favors, or gifts this year. Decide on how much money you want to spend on each area (travel, food, holiday cards, gifts, etc.), and then stick to that amount.

Don’t forget to factor in unexpected expenses, like gas for out-of-town trips, pet care costs, and gift wrap. Once you’ve determined your budget, set up a cash envelope system for your holiday purchases to help you stay on track.

Make a Gift List

Once you know how much you can afford to spend, list the people you plan to buy gifts for and set a budget for each. If the list seems too long, try scaling back so you can fit it into your budget.

Consider making something homemade if you cannot cut a few names off the list. Examples include fresh-baked cookies (or a cookie mix gift sack), mason jar snow globes, or hand-painted ornaments.

Clip Coupons

Gone are the days of sifting through newspapers for sales and discounts. These days, you can find coupon codes online for everything from gifts to your travel accommodations. Shopping apps such as RetailMeNot and CouponCabin make it easy to clip and save your favorite coupons, so you can access them right on your phone when shopping.

You can also sign up for reward programs like Amazon Prime and ShopRunner to score free shipping and other perks with your online orders. Pro tip: create an email address for online shopping, so you don’t get overwhelmed with promotional emails. This way, you’ll be able to reap the benefits of signing up while still keeping your inbox clutter-free.

Send E-cards

If money is tight this year, skip the expensive greeting cards and send your holiday greetings via email instead. (Don’t worry, you don’t need to be tech-savvy to do it!) Hundreds of websites out there will help you create customized holiday cards in minutes. A few examples include Canva, Smilebox, Ecard Shack, and Punchbowl.

E-cards aren’t just cost-effective and more eco-friendly than traditional holiday cards. Best of all, you can share them with friends and family without spending excessively on postage.

Host a Potluck

Can’t swing the cost of throwing a big holiday bash this season? Why not host a potluck instead?

Potluck dinners are a great way to celebrate the holiday season with friends and family without breaking the bank. Plus, they eliminate the stress and hassle of cooking a huge meal at home (and cleaning up the mess!).

If you’re worried about food allergies or picky eaters, create a menu ahead of time, so your guests know what to bring. And if you’re planning a themed party, consider asking your guests to wear festive attire (ugly sweaters, holiday characters, etc.) to add to the fun.

The holidays bring laughter and cheer. But for many, this jolly season can cause anxiety and stress, especially for those on a tight budget. By following these tips, you can avoid stress and enjoy the celebrations with family and friends without worrying about your wallet.

The team at Bank of Sun Prairie is pleased to offer this information through our partnership with Madison Minutes. Our Financial Fitness Center offers 50+ digital short courses in English and Spanish. Visit us in Sun Prairie and Cottage Grove today or bankofsunprairie.com. Serving Greater Dane County and beyond.



Message and data rates may apply. Member FDIC. Equal Housing Lender.

Share article

Hey Madison

Sign up for your free daily toolkit to get the most of the city you love.

Can't subscribe? Turn off your ad blocker and try again.

The latest in Madison

Food & DrinkOctober 15

What Do Madison Beer Drinkers Really Want?

Brewery owner Garth Beyer surveyed over 350 people about their beer and bar preferences. These are his takeaways about Madison's beer scene.

A man sitting in a chair pours beer into a glass.
Madison's BestOctober 13

Practice Shelf-Care at the Wisconsin Book Festival

Discover your next great read at the 25th annual Wisconsin Book Festival Fall Celebration, Oct. 15-18. Enjoy free author events for all a...

A group of people browse a table of books in a bright sunlit space.
Madison's BestOctober 8

Your Favorite Spots To Meet Your Neighbors in Madison

City Cast Madison Neighbors share their favorite places in Madison.

Rolling green hills with wildflowers.
Madison, ExplainedOctober 7

UW-Madison Professor Receives Nobel Prize in Physics

Discover the backstory behind UW-Madison professor Francis Halzen's Nobel Prize in physics for pioneering the IceCube Neutrino Observator...

An observatory at the South Pole. A metal structure sits on a desolate landscape with the cosmos above it.
Madison's BestOctober 5

Where To Get Scared in Madison for Spooky Season

Looking for a scare this October in Madison? From horror movies to haunted forests and eerie ghost tours, here is your ultimate guide to...

A poster for "Jeckyll & Hyde" - a ballet dancer in black leaps in front of a foggy, London background.
Food & DrinkOctober 1

The Best Fall Drinks To Try in Madison

Looking for the perfect pumpkin spice or autumnal drink? Here is your guide to the best coffee shops and bars serving special fall bevera...

A group of multi-colored cocktails sit on a wooden bar.
Madison's BestOctober 1

What To Do in Madison in October 2026

Plan your perfect October 2026 in Madison! Check out the 25th Wisconsin Book Festival, cheer on the Badgers, tour haunted spots, and find...

City Cast Madison’s Hayley Sperling, Bianca Martin, Rob Thomas, and Jade Iseri-Ramos stand in front of a wooden arch-shaped bookcase that is holding books that will be featured at the Wisconsin Book Festival Fall Celebration.
Neighborhood GuidesSeptember 29

Browse the Imagination Center, Madison’s Newest Library

Explore Madison's new Imagination Center at Reindahl Park—the city's first public library in 26 years. Take a virtual tour of this vibran...

The outside of the Imagination Center. A blue tiled buildiing with a sign that read "Library."