12d • General discussion
Christmas Saving Challenge Phase 3
Have you been following my Christmas Saving Challenge?
(If not, they are all in "The Skool of Money" Community :)
🎄 Christmas Savings Challenge — Phase 3 (Dec 1–20)
“Stay on Track. Spend on Purpose. Save with Confidence."
You’ve built awareness in Phase 1. You practiced intentional spending in Phase 2. Now comes Phase 3, the one that carries you through the heart of the holiday season.
This phase is all about protecting your budget, following through on your plan. and making sure your Christmas spending feels joyful instead of stressful.
From December 1 to December 20, we shift into real-time execution.
1. Follow Your Christmas Budget in Real Time
You already set your budget in Phase 2. Now it’s time to live it.
For every holiday-related expense:
• Write it down
• Subtract it from your total budget
• Track how much is left.
This keeps you in control even when spending ramps up.
2. Use the 24-Hour Rule for Non-Essentials
December is full of impulse triggers.Before buying any non-essential holiday item, pause for 24 hours.
If it still feels aligned with your budget and your values the next day.... go for it.If not, you just saved money without feeling deprived.
3. Weekly Christmas Fund Check-In
Every 7 days, ask three simple questions:• How much have I saved so far?
• How much have I spent so far?
• Am I on track?
These micro check-ins prevent small slips from becoming budget blowouts.
4. One “No-Christmas-Spend Day” Each Week
The holidays can become a blur of buying.Choose one day each week where you focus on everything except shopping.
No browsing, no cart adding, no “just checking deals".
”Give your brain and your budget a rest."
5. Focus on Low-Cost. High-Meaning Traditions
To protect both joy and money. intentionally add moments that cost little but feel rich:
• A homemade cookie night• A walk to see lights
• A family movie with hot chocolate
• Writing gratitude notes
This shifts the season from consumption to connection.
6. Keep Funding Your Weekly Christmas Savings Goal
Stay consistent with the weekly savings target you set in Phase 2.
Even if things get busy, even if spending heats up... protect that transfer.
This is how you end December with confidence instead of regret.
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Christmas Saving Challenge Phase 3
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