Festive pleasures, merry indulgences, seasonal splurges – it’s no secret that Canadians often extend their budgets during the holidays. Here are some easy ways to save money and ensure the joy of the season extends right into 2016.

Build a budget

Stay on track by crafting a detailed holiday budget that includes Christmas shopping, entertaining, travelling and holiday outfits. To curb the temptation to go over-budget, keep your limits realistic. A good rule of thumb? Allocate the most resources for presents and entertaining – according to a holiday survey conducted for President’s Choice Financial by Leger, Canadians spend 63% of their budget on gifts and 19% on holiday parties.

Prioritize your gifting

If you’re not careful, the entire neighbourhood will creep its way into your holiday gift list – the babysitter, the dentist, the barista, etc. It’s essential to recognize where everyone fits in your budget. Clever key chains, embellished notebooks and decorative mugs are all affordable ways to get into the holiday spirit without breaking the bank.

Go DIY

Is there anything better than DIY presents during the holidays? Spending time and creativity on an individualized gift shows dedication to a loved one’s happiness, and your holiday savings will stay intact too. If visiting friends over the holidays whip up a batch of homemade jam and present it in a decorative jar. For your favourite bookworm, create a charming bookmark by attaching a vintage earring to a long piece of velvet.

Spend smart

A benefits-packed credit card gets you the most out of every dollar you spend. With a President’s Choice Financial® MasterCard®, you can earn PC® points on holiday gifts and redeem for free groceries* (perfect for those last-minute cookies for Santa). For fancy, big-ticket items, you’ll also enjoy an extended warranty1 that doubles the manufacturer’s regular warranty for up to an additional year. In case of present theft, loss or damage, you’ll also have purchase assurance for first 90 days1 when you pay in full with your PC Financial MasterCard.

Appreciate the little things

This the season to get caught up in the frenzy of gift buying and round-the-clock entertaining. It’s easy to forget the true joy of the holidays: Indulging in time well spent with people you love. If you stay focused on that, you’ll enjoy a very merry Christmas and New Year.

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