Seasonal spending patterns can derail your budget if you don’t plan for them – holidays, vacations, and back-to-school expenses happen every year.
Set aside money monthly for these predictable but irregular expenses.
Create separate savings accounts for different seasonal expenses so the money is there when you need it.
This prevents you from going into debt or raiding your emergency fund for expected costs.
Shop sales throughout the year for holiday and birthday gifts, storing them until needed.
Travel costs less when you book in advance and avoid peak season pricing.
Planning ahead for seasonal expenses keeps your budget on track and reduces financial stress.
