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It's the most wonderful time of year — except on your wallet. Thanksgiving is now over and if you didn't buy all your presents on Black Friday, deals are going to be hard to come by now. And if you're young and just starting out, there's even less opportunities to save.

So, since we're officially on that Christmas "creep," here's a definitive guide to greeting 2018 with a few more digits in your bank account.

Make a list

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Although the most basic of traditions, making a list first could end your bad budgeting behavior before it even starts. We often ask ourselves what we can get everyone and how we can make it the best Christmas ever.

However, before jotting down present ideas for your "Nice List," instead ask yourself what you can actually afford this holiday season. Make a maximum price ceiling for each person instead — and cut out the people who are definitely not going to return the gift giving favor.

Establishing a budget for the holidays allows you to control the unbridled giving, protecting you from your own expectations. Build a budget that will let you enjoy the next 364 days after Christmas.

Wait before you buy

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Giving is a great part of the holidays, but buying is the BEST! Living in this capitalistic society, we as humans are conditioned to want to spend money. Being almost as counterintuitive as the last tip, waiting 24 hours before clicking "purchase" on dad's new Kitchen Aid will keep your paycheck from leaving your bank account so soon.

Events like Black Friday and Cyber Monday create anxieties about missing those so-called doorbusters — however, most of these deals are extended days and weeks beyond the time they're allotted.

For instance — Amazon's Cyber Monday event is practically undone by its "Deals Week." In addition, most stores and sites will offer deals right up until the last days before Christmas. E-commerce certainly gives us the instant gratification that comes with shopping online, but convenience allows for us to become click-happy.

By waiting 24 hours before checking out, you give yourself enough time to reflect on your budget and the gift itself, eliminating buyer's remorse as well as poor budgeting.

Give your gift in other ways

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Family and friends make the holidays both worthwhile and expensive — however, the key to any celebration is the family-gathering. If you and your loved ones are truly interested in the spirit of Christmas, expensive presents won't be the only thing ya'll are worried about.

Of course, gift giving is important in demonstrating appreciation and tradition, but it doesn't mean that your second cousin should expect the new Nintendo Switch from you. Instead, why not knit a special sweater for your grandmother or DIY some personal items for your significant other?

This doesn't mean you're copping out as a cheapskate — measuring the value of a gift and what it will mean to you and the person receiving it will bring some perspective to the holidays. Family is much more important than stuff and in this case it truly is the thought that counts.

The key to any budget — and certainly to these three pillars of Christmas survival — is maintaining a realistic understanding of your financial capabilities. While Christmas is a magical time, to navigate it unscathed you will need a few skills that are rather ordinary.

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Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.

What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.

The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.

There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!

Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.

Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”

While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.

That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying

the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.

This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.

Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.

That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?

Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”

While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."

In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.

We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.

As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.

What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.

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Did you hear about the Great Resignation? It isn’t over. Just over two years of pandemic living, many offices are finally returning to full-time or hybrid experiences. This is causing employees to totally reconsider their positions.

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