Frugal living expert Nicholas Garofola loves adding to his savings accounts. He has learned from experience, and on his YouTube channel he shares what it looks like to quit bad spending habits and start saving money quickly. Up Next: 7 Luxury SUVs That Will Become Affordable in 2025 Learn More: Dave Ramsey Says This is the Best Way to Pay Off Debt As a minimalist, here are several of Garofola’s top tips for easy ways to save money and pay your bills. Save for Things That Lower Expenses The notion is sim ...

Core Insights - Gen Z faces unique financial challenges during the holiday season, including student loans, entry-level salaries, and inflation, making holiday spending particularly difficult [1] - Strategic financial moves can help Gen Z enjoy the holidays without jeopardizing their financial future [2] Budgeting Strategies - Setting a realistic holiday budget based on actual income and expenses is crucial, with suggested spending of $200-$400 instead of the $800+ often portrayed on social media [3][4] - Tracking expenses using apps like Mint or YNAB can help maintain budget limits and avoid overspending during the holidays [4] Last-Minute Savings - Starting a last-minute holiday fund, even with small amounts, can be beneficial, as small savings can accumulate over time [5] - Suggestions for finding extra money include cooking at home instead of dining out, canceling unused subscriptions, and selling unneeded items [6] Technology Utilization - Technology can be leveraged to prevent impulse spending, with tools that align with digital habits [7] - Setting up spending notifications and using apps to find discounts can save 10%-20% on purchases, helping to stay within budget [8]