The festive season is fast approaching and while it’s a time for joy, connection and celebration, it can also be one of the most expensive times of the year. A little preparation now can help take the pressure off your wallet later, so you can focus on what truly matters.
1. Set a realistic festive budget
Start by listing your expected expenses for gifts, food, travel, and social events. Once you have a total, set a spending limit that fits within your budget. Having a clear plan can help you avoid last-minute splurges and the stress of January credit card bills.
2. Make the most of your savings
If you’re putting money aside for the holidays, consider setting up a separate savings account to keep your festive funds on track. MOVE Bank’s Growth Saver* is a great option to help you reach your goals faster — offering a competitive bonus rate when you deposit $200 and make no withdrawals each month. Even small, regular contributions can add up quickly, and by keeping these savings separate from your everyday spending, you’re less likely to dip into them early.
3. Shop smart and early
Take advantage of sales, such as Black Friday and Cyber Monday, and comparison shop online to find the best deals. Buying early can help spread out costs and reduce the December rush, giving you more time to enjoy the season.
4. Plan for the new year
The end of the year is also a great time to review your finances and set goals for 2026. Whether you’re saving for a holiday, home improvements, or simply looking to build stronger money habits, a little planning now can help set you up for success. To get started, try one of MOVE Bank’s calculators. From budgeting and loan repayments to savings projections, they’re a handy way to map out your money goals for the year ahead.
Getting your finances festive ready doesn’t have to be stressful. With a little planning, smart saving, and the right tools, you can enjoy the celebrations knowing you’re starting the new year on strong financial footing.
This article is for general information purposes only and is not intended as financial or professional advice. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product or other professional advice. You should seek your own independent financial, legal and taxation advice before making any decision about any action in relation to the material in this article. *Bonus interest paid on balances up to $25,000 if there are no withdrawals in a calendar month, and at least $200 is deposited into the account during the month (prior to 5pm AEST on the last day of the month). If these criteria are not met, the base interest rate will apply
