Are you a spender or a saver?

Typically, people are one or the other.

I’m a spender. #oops.

I definitely get enjoyment from shopping and gift giving, so holiday season can be a little rough on my wallet.

This year, I’m trying to avoid the January “financial hangover” when all the gifts are given and the money is all spent. Being in debt is no way to start out the New Year- so how do you make it to January without breaking the bank?

Save up- Putting away money throughout the year is essential. You hear it all the time- but actually doing it is a whole different thing. Sometimes you put money into a savings account with the best of intentions, but things come up. One idea I’ve heard is to buy gift cards throughout the year to stores you’ll want to Christmas shop at, and put them all in a safe place. When holiday season rolls around, you’re all set for a stress-free experience.

Keep track- Don’t just spend without thinking. It’s just like keeping a food diary helps a diet, keeping a spending diary helps keep you from overspending!

Black Friday- It’s not too late to Black Friday! Getting great deals gives you some wiggle room. There are still a lot of ways to save! Capital One 360‘s has a Black Friday Sale you won’t want to miss! You can earn money by signing up for a checking or savings account, referring a friend, investing, or save big with a new or refinanced mortgage!

ShareBuilder: Up to $1,250 bonus (tiered offer)

• Must be a new ShareBuilder customer
• Home Loans $1,250 off closing costs
• Must sign up for the loan during the sale period

360 Checking $100 bonus

• Must make a $500 minimum initial deposit and make five transactions
• Must be new to 360 Checking

360 Savings $100 bonus

• Must make a $1,000 minimum initial deposit
• Must be new to 360 Savings

Refer a Friend $40 bonus per successful referral

• For someone to receive the referral bonus, they must be a current customer
• Their friend must meet the minimum initial deposit requirements
• Applies to all accounts

In addition to taking advantage of deals on banking, brokerage and mortgage products yourself, you can give your friends and family the gift of financial peace of mind by encouraging them to take advantage of the deals and refer them to the sale. If they sign up, you may be eligible for a $40 referral bonus.

Visit Capital One 360 to take advantage of these amazing deals.

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.