15 Best Ways To Build Wealth In November (+Free Savings Tracker)

3. Set Your Holiday Budget Now. After prioritizing your holiday plans, set a budget for these expenses at the start of November. Check-in with your budget often to make sure you are staying within it.

Start saving with the free Christmas saving challenge or open a holiday fund.

4. Save With Black Friday & Cyber Monday Deals: Look for discounts on items you have planned to buy.

• Make a list before shopping.
• Be careful to avoid mindless browsing and impulse purchases.
• Do research in advance to find the best sales online and in stores.

5. Maximize Credit Card Rewards: Redeem your credit card rewards for gift cards, groceries, or dining credits. Use these savings to offset holiday gifts, gatherings, and travel expenses.

6. Go Easy on Home Decor: Despite what you might see in magazines, your home doesn’t need to be picture-perfect for the holidays.

• Cover your Thanksgiving table with butcher paper and invite guests to write down what they’re thankful for.
• Have kids create turkey decorations by using their handprints or recycled items.
• Create decor with natural items like pumpkins, pinecones, and leaves.

For extra savings, browse the dollar store for budget-friendly decor that still brings festive charm.

Pro Tip: Before heading to the store, take inventory of the decorations you already own. This will curb the temptation to buy new items and ensure you make the most of what you already have.

7. Winterize Your Home. Seal windows and doors. Add weather stripping to keep heat in and lower your energy bill.

Pro Tip: Disconnect outdoor hoses and clean out gutters before the first freeze to avoid costly leaks and damage during the winter.

8. Use Energy-Efficient Lighting. As the days get shorter, switch to energy-efficient LED bulbs to save on electricity.

9. Save on Food. As temperatures drop, home-cooked meals like soups and casseroles are cost-effective, filling, and perfect for November.

To cut costs even further this month (and for Thanksgiving), consider these tips:

• Shop discount grocery stores like Aldi and use generic brands for groceries
• Plan a potluck Thanksgiving meal
• Accept invitations from others (it’s cheaper to be a guest than the host)
• Offer fewer drink options when hosting
• Freeze leftovers for later use

10. Volunteer Your Time. Give back this season by volunteering your time instead of hosting costly gatherings.

Spend the day at a local soup kitchen or homeless shelter, and invite friends and family to join you.

5 Valuable Ways to Make Money in November

Next, these ideas are for bringing in more income this month.

1. Look For Seasonal jobs: Look for temporary positions in retail, hospitality, or event staffing to earn extra holiday money.

2. Offer Holiday Decorating Services. Many people are busy during the holidays and need help decorating their homes. Offer your services for putting up holiday lights or creating festive decor.

3. Holiday Pet Sitting. With people traveling for Thanksgiving, there’s a high demand for pet-sitting or dog-walking services.

These are great ideas for kids and teens to earn extra income too.

4. Deliver Groceries or Meals. With the holiday rush, many people turn to delivery services for groceries and meals.

Sign up with services like Instacart or DoorDash to make extra money during this busy season.

5. Sell Handmade Holiday Gifts or Treats. November is the perfect time to market custom gifts, such as jewelry, crafts, or personalized items.

You can also bake and sell goodies like pies, cookies, or breads at local farmers’ markets and holiday fairs.

Free Printable November Savings Tracker

Now, grab the November Savings Tracker and get saving! To use it…

1. Set a goal.
2. Then, write the amount you save in the circles.
3. Write your total at the end of the month and feel proud about how much you saved towards your savings goal!

What’s Next?

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