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3. Consider a cash back credit card. If you want a new credit card (and, ideally, if you can pay the balance off, in full, before the end of each month), then a cash back credit card might be the perfect option to build up your holiday fund. Cash back credit cards give you money back when you spend.
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1. Create a holiday budget. Add up gifts, travel, decorations, food, and any miscellaneous expenses that might come up. Look at your last holiday season expenses to help you. 2. Divide the total of your holiday budget by how many months you have to save. If it's a year, you will divide by 12. If it's 3 months, you will divide by 3.
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