6 Women Share How Much They’re Spending On The Holidays — & How They’re Paying For It All

It’s not just gift lists and charity drives and all the sparkly window decor luring you into every store you pass that causes things to add up — there's also the transportation to and from the multitude of festive events; the hostess gifts you don’t want to show up without; the looks (New Year’s outfits! Holiday PJs! Thousands of sweaters!); and the food, festive napkins, and bottled beverages you supply at your own casual holiday gatherings. Yes, the holiday season costs a lot. 

That’s why we partnered with Affirm — a tool that takes the stress out of holiday spending by letting you split your purchase into easy monthly payments — and gathered six women to share how much they’re really spending this holiday season, as well as their best tips for navigating all those costs.

Disclosure: Rates are between 10–30% APR, and a down payment may be required. Subject to eligibility check and approval. Payment options depend on your purchase amount. Affirm loans are made by Cross River Bank, Member FDIC.

Occupation: Owner of RAT BOI 

Industry: Sustainable fashion 

Age: 29

Location: Ventura, CA

Salary: A little in flux because I left my full-time movie-producing job in July to pursue my small business full time

Travel: $400 (I’m spending a good chunk of my holiday funds on a trip to Mammoth for my best friend’s 30th birthday.)

Gifts: $250 (Year one of my small business means the holidays are tight this year —which I’ve already discussed with friends and family. That being said, I am working on creating some great upcycled gifts. I've also budgeted some money to shop local, supporting my incredibly talented friends in my community. I love gifting from local artisans because it’s not only a unique gift, it also supports my community and local economy!)

Hosting: $80 (Four words: Karaoke Holiday Dance Party.)

Outfits: Less than $30 (I’ll either make it, thrift it, or wear something I already own.)