Want to spend less this holiday? Let people know with 6 phrases—'without making the moment awkward,' says expert

The holiday season brings out a mix of emotions for many of us: joy, pressure, love, expectations, excitement, and sometimes financial anxiety.

Between gift exchanges, gatherings, the perfect decor, and travel, the pressure to show up big can feel heavier than the holiday ham. As a financial therapist, I am here to tell you that this holiday and every holiday going forward: You’re allowed to set limits and protect your financial well-being without giving a long explanation.

To be more intentional with your money this holiday season, use these six phrases to speak up with confidence.

This is a calm and clear way to let people know your focus has shifted. It reminds them that you have responsibilities outside of the holiday season and that you’re choosing to honor them. It also opens the door for understanding without inviting questions or explanations you don’t want to give.

Many people feel the same holiday pressure but are afraid to say it first. When you bring this up, you create space for an honest conversation about what feels manageable. This approach helps everyone simplify while also honoring your financial limits.