Prices are high across the board, and many families are struggling to afford increased holiday costs.

About a quarter (24%) will lean on buy now, pay later plans or credit cards.

But adding new debt to your plate only makes things harder in the new year.

Earn some extra income

Any extra money you earn right now can help offset holiday expenses.

Seasonal jobs:As holiday shopping picks up, many companies need extra help to meet the demand.

Consider taking advantage of a seasonal job to boost your holiday fund.

you could also offer services like gift wrapping and house decorating to your friends, family and neighbors.

If you’re in a cooler climate where leaves are falling, offer to rake and remove them.

Take advantage of this trend byselling your unwanted stuff.

Consignment sites:Some reselling sites are geared toward specific items.

Sites like Swappa and Decluttr aregood for tech items.

Local consignment shops:Consider bringing your clothing and accessories to a consignment shop in your area.

That may sound steep, but it takes the hassle out of dealing with buyers yourself and shipping items.

Rent out space

Space is valuable.

you might also use websites like Roomi and Roomster if you’re interested in a full-time roommate.

A parking space:Do you have extra room in your garage or driveway?

you’ve got the option to rent parking spaces through websites like Parqex, Neighbor and Spacer.

A garden plot:Live in a warm climate?

Find free or cheap events in your community.

Host a game or movie night at home and ask friends to bring a dish to pass.

There are plenty of ways to have fun without spending a ton.

Cook at home more:Meals prepared by restaurants aresignificantly more expensivethan those you make at home.

Stop eating out, and you’ll automatically keep more money in your pocket.

Cancel unwanted subscriptions:Don’t pay a monthly fee for a service you don’t even use.

Whether it’s a gym membership or a subscription box, cancelingunnecessary subscriptionsis a no-brainer.

It’s essentially free money.

Those gift cards still have value.

Websites like Raise and CardCash will pay you cash for your unused gift cards.

Most unclaimed money is held by the state the money is in.

So, you’ll need to find your state’s directory.

It’s also smart to start thinking about how you’ll save for next year’s holiday season.