For most, the holidays can be a challenge financially. Here are five great ways to make sure you stay on track with your budget.

1. Get free shipping – Friday, December 17th is free shipping day with approximately 1000 merchants with delivery by Christmas Eve. Visit freeshippingday.com for more information.

2. Plan for the extras – Remember to factor in postage and gift wrap when purchase gifts. Don’t forget tape too! Also, a great way to save on wrapping paper is to buy after the holidays for next year.

3. Get discount gift cards – Check out Gift Card Granny or Plastic Jungle to buy gift cards for less than their face value.

4. Pay with cash – It is easier to track your spending when you use cash and it keeps you from overspending because when you’re out of cash, you can’t buy anything more!

5. Chart your spending – Use this chart to track how much you are spending or are planning on spending. Just customize names, fill in items and how much they cost. The yellow boxes will automatically add up your total spending. Or if you prefer, you can print the chart and write in items and costs yourself.