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Ph 480-535-5709

Fax 480-785-4930

Txt 480-878-7715

 600 E Baseline Rd. 

Ste B-3 Tempe, AZ 85283

AZ Insurance Team is an Arizona Insurance Broker offering Home insurance, Auto insurance, Life insurance, and Commercial Insurance in Tempe, Phoenix, Chandler, Gilbert, Mesa, Scottsdale, Ahwatukee, Glendale, and everywhere else in Arizona. We also do insurance in California, Oregon, Washington, Colorado and Texas.

© 2017 by AZ Insurance Team LLC all rights reserved

September 27, 2019

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Keep Your Spending Under Budget this Holiday Season

December 4, 2018


The holidays can be a stressful time of the year especially when it’s the season for spending. Maintaining a budget can alleviate stress from the holidays and can keep you from going into debt over Christmas time expenses.


To begin, make a list of anticipated expenses. It can be helpful to look at last year’s receipts and purchases to estimate how much you will spend this season. Include everything from gifts to wrapping paper to decorations, etc. Starting to save early in the year will help you avoid a financial burden in December.


Set a price limit for each gift as well to ensure you will not exceed your holiday budget.

Determine how much you want to spend on each family member and friend and stick to that amount.


Consider DIY gifts or shared gifts to save money on presents. The gift can be just as meaningful, or more, but at a more cost effective price to you.


Create a shopping list of what materials and gifts you need to purchase. Doing this early will allow you time to compare prices online and search for the best deals available. It’s best to space out your purchases as well so that you do not risk taking too large a chunk out of your paycheck.


Take your budget list with you whenever you go shopping so that you can track your spending. Consider using cash only as credit cards can tempt you to overspend.


Most importantly, the holidays should be a time for fun and family so don’t forget to enjoy yourself! Happy holidays!


Have questions? Give us a call!

AZ Insurance Team

(480) 535-5709

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