Holiday Spending

Teaching your child how to save and pay for their own holiday spending will teach them an important lesson in money management.

As it gets closer to Christmas remind your child to start saving money so they can buy gifts for someone, whether it is a brother or sister, grandparents, the family pet, or for mom and dad.

Pick a day that you are going to take them shopping. Have your child write down how much money they have and what amount they want to spend on each person.

Look through holiday ads and have your child find things that they can afford. Explain to them if they decide to spend more on one person, then they will have to spend less on someone else, unless they have earned extra money.

A good place to take your child to shop is a dollar store. They will be able to find something for everyone there.

Continue to do this year-round for birthdays, Mother’s Day, Father’s Day, etc.

Your child will feel a sense of pride when he/she sees the recipient open up a gift that they saved, planned, and bought using their own money. Teaching your child to budget ahead of time will prevent them from falling into the holiday overspending that many of us are guilty of.

Pioneer Credit Counseling is a bonded, non-profit credit counseling agency offering debt management programs, financial counseling, bankruptcy counseling and housing counseling nationwide. Call our friendly counselors today at 800-888-1596 or visit

Our accredited credit counselors will help you take control of your financial life and get out of debt faster than you can on your own. We offer a debt management program that will stop the collections calls, lower your monthly payment and provide you peace of mind. Our pre and post bankruptcy counselors provide an easy process for you so you can focus on rebuilding your financial being.

It is our policy at Pioneer Credit Counseling not only to help people get out of debt, but also educate in sound budgeting practices.

Pioneer Credit Counseling can help you get out of debt faster. Find out how through one of our Debt Management | Debt Management Programs | Credit Counseling | Financial Counseling | Housing Counseling | Bankruptcy Counseling | Financial Educational Materials

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