Feeling the Financial Stress of the Holidays? You’re Not Alone.

(Part of the Not-So-Happy Holidays Series from ME Wellness Coaching)

If the holiday season brings more worry than joy when it comes to money, take a deep breath—you’re not the only one. While the holidays are often portrayed as a time of abundance and celebration, for many people they come with very real financial pressure. Gifts, travel, meals, hosting, donations, end-of-year expenses—it can add up quickly.

And if you’re already juggling caregiving responsibilities, navigating a life transition, or carrying emotional weight from loss or change, that financial stress can feel even heavier.

I want you to know this: financial stress during the holidays is common, understandable, and nothing to be ashamed of.

Why Holiday Spending Feels So Stressful

The holidays tend to come with a lot of unspoken expectations. You might feel pressure to:

• Spend more to show you care

• Keep traditions going, even when they no longer fit your budget

• Say yes to things you can’t really afford—financially or emotionally

• “Make it special” for everyone else, even at your own expense

When money and emotions mix, stress is often the result.

How to Tell Financial Stress Is Taking a Toll

You may notice yourself feeling more anxious, short-tempered, or overwhelmed than usual. Maybe you’re avoiding your bank account, losing sleep over expenses, or feeling guilty no matter what you spend—or don’t spend.

These are signs you’re under pressure, not signs you’re doing something wrong.

Simple, Supportive Ways to Ease Holiday Financial Stress

1. Let Go of the “Perfect” Holiday

The picture-perfect holidays we see everywhere aren’t real life. Give yourself permission to do things differently this year. Simpler can still be meaningful—sometimes even more so.

Ask yourself: What would make this season feel calmer and more manageable for me?

2. Decide What You Can Comfortably Spend (and Stick to It)

Instead of pushing past your limits, choose a spending plan that feels realistic. Knowing your numbers ahead of time can actually reduce anxiety and help you enjoy the season more.

This isn’t about being restrictive—it’s about protecting your peace.

3. Talk About It (Yes, Even If It Feels Awkward)

Honest conversations can go a long way. Let loved ones know if you’re simplifying gifts, focusing on experiences, or scaling back this year. Many people feel relieved when someone else says it out loud first.

4. Remember: You Are the Gift

Your presence, care, and attention matter more than anything wrapped in paper. A heartfelt note, shared time, or a meaningful conversation can mean far more than an expensive gift.

You don’t have to overspend to be generous.

5. Be Gentle With Yourself Around Money

Money stress can bring up guilt, comparison, or self-criticism. When that happens, pause and remind yourself: My financial situation does not define my worth.

Small grounding practices—deep breathing, journaling, stepping away from social media—can help calm your nervous system and quiet the noise.

6. Give Yourself Permission to Do Less

You don’t have to attend every event, buy every gift, or meet every expectation. It’s okay to say no. It’s okay to rest. It’s okay to choose what truly matters to you.

Support Makes a Difference

If financial stress is weighing on you this holiday season, you don’t have to navigate it alone. Emotional support can help you feel steadier, clearer, and more grounded—even when circumstances don’t change overnight.

At ME Wellness Coaching, we support individuals through stress, transitions, grief, and life changes with compassion and practical tools. If you’re feeling overwhelmed and could use extra support this season, we’re here to help.

You deserve a holiday season that feels supportive—not draining.