{"id":6043,"date":"2025-11-21T17:31:55","date_gmt":"2025-11-21T22:31:55","guid":{"rendered":"https:\/\/dev.gopeer.ca\/blog\/\/"},"modified":"2025-11-21T17:43:08","modified_gmt":"2025-11-21T22:43:08","slug":"how-to-plan-for-december-without-derailing-your-finances","status":"publish","type":"post","link":"https:\/\/dev.gopeer.ca\/fr_ca\/blog\/how-to-plan-for-december-without-derailing-your-finances\/","title":{"rendered":"Comment planifier le mois de d\u00e9cembre sans compromettre ses finances"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6043\" class=\"elementor elementor-6043\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-440db11 e-flex e-con-boxed e-con e-parent\" data-id=\"440db11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f1a124d e-con-full e-flex e-con e-child\" data-id=\"f1a124d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8d0918 elementor-widget elementor-widget-text-editor\" data-id=\"e8d0918\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The holidays are upon us once again and along with the joys of spending time with loved ones, eating good food, and presents come the inevitable spending. It\u2019s a wonderful time to treat yourself and the people you love, after all, this is a big part of why we work so hard.<\/p><p>Canadians are planning to spend an average of $1,675 on gifts, travel, and entertainment this holiday season [1]. Looking at the bigger picture, it\u2019s a small price to pay for the happiness of the people in your life but it\u2019s also important to remember that this season doesn\u2019t derail the financial goals you\u2019ve been building towards all year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2dd677 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"a2dd677\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">1.\tKnow what you can actually afford<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b326d1f elementor-widget elementor-widget-text-editor\" data-id=\"b326d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span id=\"p3R_mc15\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\" data-fui-focus-visible=\"\">It all starts with a plan. It takes a few minutes to figure out:<\/span><\/span><\/span><\/p><ul><li><span id=\"p3R_mc17\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">How much cash is left after paying all non<\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">&#8211;<\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">negotiable bills.<\/span><\/span><\/span><\/li><li><span id=\"p3R_mc19\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">What holiday essentials you must cover (gifts, travel, gatherings, etc.)<\/span><\/span><\/span><\/li><li><span id=\"p3R_mc21\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">Your absolute maximum spend without touching your savings or investments.<\/span><\/span><\/span><\/li><\/ul><p><span id=\"p3R_mc22\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">This gives you a clear number and<\/span><\/span> <span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">prevent<\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">s<\/span><\/span> <span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">you<\/span><\/span> <span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">from overspending.<\/span><\/span> <span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">December can <\/span><\/span><\/span><span id=\"p3R_mc24\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">get<\/span><\/span> <span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">busy<\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">,<\/span><\/span> <span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">and this<\/span><\/span> gives\u00a0<span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">you a bit of a head start to know exactly where your limits are.<\/span><\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5672de elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"e5672de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">2. Set your holiday budget<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9815a39 elementor-widget elementor-widget-text-editor\" data-id=\"9815a39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span id=\"p3R_mc28\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\" data-fui-focus-visible=\"\">Now that you have a number, it\u2019s time to divide this into categories:<\/span><\/span><\/span><\/p><ul><li><span id=\"p3R_mc30\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">Gifts<\/span><\/span><\/span><\/li><li><span id=\"p3R_mc32\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">Food\/hosting<\/span><\/span><\/span><\/li><li><span id=\"p3R_mc34\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">Travel\/transportation<\/span><\/span><\/span><\/li><li><span id=\"p3R_mc36\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">Miscellaneous (last<\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">&#8211;<\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">minute events, small gifts, etc.)<\/span><\/span><\/span><\/li><\/ul><p><span id=\"p3R_mc37\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">This ensures that your spending is balanced, and you can make sure the essentials are covered <\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">first before any extras.<\/span><\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31c0f7f elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"31c0f7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">3. Protect your core financial goals<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd56d37 elementor-widget elementor-widget-text-editor\" data-id=\"cd56d37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"react-pdf__Page css-799\" data-page-number=\"1\"><div class=\"react-pdf__Page__textContent textLayer\" data-main-rotation=\"0\"><span id=\"p3R_mc40\" class=\"markedContent\"><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\" data-fui-focus-visible=\"\">Even during this busy time, it\u2019s important not to lose focus. Keep your investments and savings <\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">active and make sure you\u2019re sticking to it. A smaller contribution is fine as long as you don\u2019t <\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">derail your momentum. If you have debt payments, make sure that<\/span><\/span> <span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">you\u2019re staying current. And <\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">as much as possible, don\u2019t dip into your emergency fund for holiday spending. Keeping your <\/span><\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">goals in check<\/span><\/span><span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">,<\/span><\/span> <span dir=\"ltr\" role=\"presentation\"><span tabindex=\"0\">especially this close to the end of the year, will make you feel better about having <\/span><\/span>discipline while still being able to celebrate the holidays.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f3ed1 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"70f3ed1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">4. Cut low-value spending first <\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b3ee3e elementor-widget elementor-widget-text-editor\" data-id=\"4b3ee3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"NormalTextRun SCXW78968439 BCX0\">Trimming <\/span><span class=\"NormalTextRun SCXW78968439 BCX0\">back <\/span><span class=\"NormalTextRun SCXW78968439 BCX0\">on <\/span><span class=\"NormalTextRun SCXW78968439 BCX0\">low-value spending can help you stretch your holiday budget even more. According to BMO, Canadians are already planning <\/span><span class=\"NormalTextRun SCXW78968439 BCX0\">on cutting<\/span><span class=\"NormalTextRun SCXW78968439 BCX0\"> back on decorations, dining out, and clothing\/entertaining around the holidays [2]. <\/span><span class=\"NormalTextRun SCXW78968439 BCX0\">Reducing<\/span><span class=\"NormalTextRun SCXW78968439 BCX0\"> spending like th<\/span><span class=\"NormalTextRun SCXW78968439 BCX0\">is<\/span><span class=\"NormalTextRun SCXW78968439 BCX0\"> gives you more wiggle room for what actually matters.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb98fa6 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"bb98fa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">5. Make a plan to recover <\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fba1baa elementor-widget elementor-widget-text-editor\" data-id=\"fba1baa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">No doubt that after the holidays, we will need time to recover from holiday spending. Now, if you had a couple of months to prepare, you\u2019d probably be fine and recover quicker but if you\u2019re just now starting to make a plan, the key is cushioning January before the bills arrive.\u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Set a firm date to return to your usual budget and map out how you\u2019ll clear any holiday balances within a couple of pay periods. You can also set aside any extra from your holiday budget to act as a buffer for your expenses after.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8aec693 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"8aec693\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Final Thoughts<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cade4d elementor-widget elementor-widget-text-editor\" data-id=\"8cade4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW239808128 BCX0\" lang=\"EN-PH\" xml:lang=\"EN-PH\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW239808128 BCX0\">With a little bit of clarity and intention, you can enjoy the holidays guilt-free and still stay aligned with your financial goals.\u00a0<\/span><\/span><span class=\"EOP SCXW239808128 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74a4129 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"74a4129\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Sources<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc05d22 elementor-widget elementor-widget-text-editor\" data-id=\"cc05d22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">[1]: <\/span><a href=\"https:\/\/www.pwc.com\/ca\/en\/industries\/consumer-markets\/holiday-outlook-canadian-insights.html\" rel=\"nofollow noopener\"><span data-contrast=\"none\">https:\/\/www.pwc.com\/ca\/en\/industries\/consumer-markets\/holiday-outlook-canadian-insights.html<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">[2]: <\/span><a href=\"https:\/\/newsroom.bmo.com\/2025-11-14-BMO-Survey-Three-in-Five-Canadians-Adjust-Holiday-Spending-Plans-Amid-Tariff-Concerns\" rel=\"nofollow noopener\"><span data-contrast=\"none\">https:\/\/newsroom.bmo.com\/2025-11-14-BMO-Survey-Three-in-Five-Canadians-Adjust-Holiday-Spending-Plans-Amid-Tariff-Concerns<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e04abbb elementor-widget elementor-widget-text-editor\" data-id=\"e04abbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><i><span data-contrast=\"auto\">Important footnote &amp; disclaimer:<\/span><\/i><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">The information contained on this website and in any related materials, including but not limited to blog posts, charts, statistics, projections, or other content (collectively, the \u201cInformation\u201d), has been prepared by goPeer for general informational and educational purposes only. The Information does not constitute, and should not be construed as, an offer to sell or a solicitation to buy any securities or investment products. The Information does not constitute legal, tax, investment, financial, or accounting advice, and should not be relied upon as such.<\/span><\/i><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">Any tables, charts, forecasts, forward-looking statements, or statistical analyses presented are based on assumptions, estimates, or projections made by goPeer that may not reflect actual future performance. These forward-looking statements involve known and unknown risks, uncertainties, and other factors (many of which are beyond goPeer\u2019s control) that may cause actual outcomes to differ materially from those expressed or implied in the Information. Actual results may vary significantly, and past performance is not indicative of future results.<\/span><\/i><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">No portion of the Information should be interpreted as a recommendation or endorsement of any specific investment strategy, security, loan, or product. Investment decisions should always be made based on the investor\u2019s individual objectives, financial situation, and risk tolerance, in consultation with appropriate legal, tax, and financial advisors.<\/span><\/i><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><i><span data-contrast=\"auto\">Investing involves risk, including the possible loss of principal.<\/span><\/i><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The holidays are upon us once again and along with the joys of spending time with loved ones, eating good food, and presents come the inevitable spending. It\u2019s a wonderful time to treat yourself and the people you love, after all, this is a big part of why we work so hard. Canadians are planning [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6044,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all"],"_links":{"self":[{"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/posts\/6043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/comments?post=6043"}],"version-history":[{"count":4,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/posts\/6043\/revisions"}],"predecessor-version":[{"id":6049,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/posts\/6043\/revisions\/6049"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/media\/6044"}],"wp:attachment":[{"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/media?parent=6043"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/categories?post=6043"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/tags?post=6043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}