Holiday Budgeting & Preventing Seasonal Scams

Keep the Holidays Joyful — Not Stressful

Ever notice how quickly the holiday spirit can turn into spending stress?

Between gifts, travel, decorations, and celebrations, expenses pile up fast. During this busy season, scammers target distracted shoppers, making fraud more common than ever.

Stay with us — we’ll show you simple ways to protect your wallet and peace of mind, plus how Klinger Insurance Group helps safeguard what you’ve worked hard for.

Smart Holiday Budgeting Tips

Keep the magic of the holidays alive without overspending:

• Create a gift list before shopping to avoid impulse buys.
• Take advantage of sales — but only for planned purchases.
• Compare prices and shop with trusted retailers.
• Use cash or debit to avoid stacking debt.
• Plan potluck-style meals for gatherings to share costs.
• Track purchases weekly to stay in control.

Watch Out for Seasonal Scams

Scammers get more creative every year. Watch for:

• Fake delivery notifications asking for personal info
• Bogus charity requests, especially on social media
• Online shopping scams offering “too good to be true” deals
• Gift card scams — never pay with a gift card for any service
• Phishing emails pretending to be your bank or retailer

If something feels rushed, urgent, or suspicious, pause before clicking.

Protect What Matters Most

Plan and stay alert so you can enjoy the season without letting bills or scams ruin your celebration.

Quick Reminder

If a scam leads to stolen packages, identity fraud, or home issues, the right insurance coverage helps protect your finances and recovery.

We’ve Got You Covered This Season

Not sure if your home or auto policy fully protects you from holiday risks? Klinger Insurance Group can help.

Connect with us today to make sure you — and your holiday — stay safe and stress-free.

Call us at 301-428-4935

Klinger Insurance Group

Protecting you through every season of life.