December 2025 | Newsletter 29
Enjoy the Festive Season Without the Financial Hangover
As the festive season approaches, many of us look forward to spending time with family and friends, taking a well-earned break, and celebrating the year that has been. While Christmas is a time of joy and generosity, it can also place unexpected pressure on household finances if not approached with care.
At Harness Financial Services, we believe that with a little planning, you can enjoy the festive season while keeping your financial goals on track.
Set a Festive Budget – and Stick to It
Christmas expenses can add up quickly, from gifts and travel to food, decorations, and social events. Setting a clear budget in advance helps ensure you spend within your means. Consider allocating a specific amount for each category and track your spending as you go. Remember, thoughtful gifts don’t have to be expensive to be meaningful.