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]