Holiday Budget Planning: How to Prepare for Christmas Expenses Early

The ber months are here — along with Jose Mari Chan memes, early Christmas décor, and the big question: is your wallet holiday-ready?

In the Philippines, the holidays are a big deal (and a big expense). Between gifts for countless inaanaks, noche buena splurges, and reunions that multiply like fruitcakes, your holiday expenses can pile up fast. The good news? With a little early planning, you can enjoy the season without breaking the bank.

Here’s how to start your holiday budget planning today:

1. Make a Holiday Gift List

Even Santa makes a list (and checks it twice) — so should you! Write down names, assign budgets, and track it on your phone. You’ll avoid double-gifting and keep spending under control. Bonus: you’ll already have a list ready for next year.

2. Personalize Your Gifts

Great gifts don’t have to be expensive. DIY creations, customized details, or thoughtful notes can outshine store-bought items. Planning early gives you the time to handcraft gifts or source affordable finds without panic-shopping in December.

3. Shop Early and Hunt the Sales

Starting now lets you stalk the 11.11 and 12.12 holiday sales like a pro. Scoring discounts in advance means extra pesos left for queso de bola, lechon, or that Christmas trip you’ve been eyeing.

4. Go Cashless, Go Stress-Less

With your gift list ready, shop smart:

1. Buy online while there’s still shipping time

2. Visit malls during off-peak hours to skip the chaos

3. Pay cashless with UB Online’s Scan QR Feature — no more ATM lines or candy for change, just instant, hassle-free payments

🎁 Final Sleigh: Start Early, Spend Smart

Why rush it when you can crush it? By starting your Christmas budget planning early, you’ll avoid stress, save more, and truly enjoy the holiday cheer. This season, make your finances merry and your budget bright!