No, it's not too early to start saving for the holidays

不,为假日储蓄还不算太早。

Life Kit

2026-09-17

16 分钟
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Holiday spending can sneak up on you. From endless gift shopping to expensive flights home, it's easy to lose track of your long-term goals in this season of financial obligations. This episode, Life Kit experts share tips on making a holiday spending plan so you can enjoy the winter festivities guilt-free. Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include sponsor-free listening and convenient playlists of popular help topics like personal finance, getting healthy, and more. Learn more at plus.npr.org. See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences. NPR Privacy Policy
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  • You're listening to LifeKit.

  • I'm Mariel Cigarra.

  • Now, if I'm you, maybe I'm thinking budgeting for the holidays.

  • It's a little early, don't you think?

  • The pumpkins and the skeletons haven't even come out yet.

  • But when I asked this very question to accredited financial counselor Bethel Hapti, she said a hard no.

  • It's always a good time to think about.

  • Let me just set a goal here for us.

  • Knowing what we know about credit card debt,

  • how high those interest rates are, how the debt can snowball, let's plan ahead so we don't accumulate debt in December

  • that we'll have to pay off in 2027. That is the ideal scenario,

  • is that the money that you're spending is just the money that you're spending instead

  • of the money you're spending plus interest to credit card companies in January and February.

  • On this episode of Life Kit, how to create a holiday spending plan now.

  • Starting with takeaway one, get a baseline.

  • Bethel says a lot of the people she talks to don't actually know