Podcasts about christmas spending

Christmas is a time of year when wallets feel the crunch – and it seems many have been scaling back their Christmas spending this year. A Westpac survey conducted just before Christmas revealed that 45% of kiwis were planning to spend less over the holidays than last year. 72% of respondents were extremely or moderately concerned with the cost of living. Westpac Financial Wellbeing Programme Manager Warren Ngan Woo tells Tim Beveridge a good tip for spending at this time of year is to have a list. “Have a list because you could easily be swept up by all the lovely marketing that's in the shop, to buy other things.” LISTEN ABOVE See omnystudio.com/listener for privacy information.

Many Australians struggling with their finances are deeply concerned about their spending this Christmas season, with some households being forced to reassess all aspects of their celebrations, unsure if they can celebrate as they usually do. - 家計が厳しい多くのオーストラリア人は、今年のクリスマス期間中の出費を非常に懸念しており、例年通りの祝い方ができるかどうかを見直さざるを得ない家庭もあります。

Welcome to this special episode discussing the £10 Christmas bonus given to some benefits recipients. With its value unchanged since 1972, many share curious and humorous ideas on how they might spend or save this amount. From purchasing nostalgic treats like Freddos and Scratch cards to discussing more practical uses such as paying off overdrafts or buying everyday essentials, this episode explores a range of perspectives and options. Listeners are taken on a journey through diverse opinions and see how this small bonus can make a big difference—or simply bring a smile. Whether you choose to donate, indulge in small luxuries, or plan for necessities, this episode serves as a reminder of personal choice and joy in spending.

A survey has found more than a quarter of Australians expect to receive Christmas presents they will never use or wear. The research by the Australia Institute puts the value of these unwanted gifts at over $1 billion and says many of them will end up as landfill waste. - クリスマスと言えばやっぱりプレゼント。しかし、家族や友人、パートナーから、「いらないプレゼント」をもらって困った！などという経験はありませんか？　今年、この「いらない」「使わない」プレゼントは総額10億ドルを超えることがわかりました。

A survey has found more than a quarter of Australians expect to receive Christmas presents they will never use or wear. The research by the Australia Institute puts the value of these unwanted gifts at over $1 billion and says many of them will end up as landfill waste. - ผลสำรวจคาด 1 ใน 4 ของชาวออสเตรเลียจะได้รับของขวัญคริสต์มาสที่พวกเขาจะไม่ได้ใช้งานหรือสวมใส่เลย งานวิจัยจาก Australia Institute ระบุมูลค่าของของขวัญที่ไม่ต้องการเหล่านี้มีมากกว่า 1 พันล้านดอลลาร์ และหลายชิ้นจะถูกทิ้งเป็นขยะในหลุมฝังกลบ

Financial Planner Luke Smith joined 2CC Talking Canberra 1206AM in Money Matters, which aired live on Friday 6 December 2024. Luke joins Leon Delaney in the studio to talk about Christmas spending. It’s summer and as we approach Christmas, retailers are doing all they can to help you get into the spirit of spending and […]

In this slightly festive episode of Money Made Simple, Jennie and Liv tackle the easier-to-avoid but very relevant topic of Christmas spending. They share their top tips and tricks for managing holiday expenses without sacrificing the joy of the silly season. This episode covers:The benefits (and how-to guide) of setting a budget for gifts, food, and festivities which can lower the stress levels from over-spendingCreative and thrifty gifting ideas, from DIY wrapping paper to delightfully funny Dirty Santa games How to make the most of the best annual sales (and the sneaky benefits of planning your shopping early - we promise it's a game-changer!)Ideas on how to create new, cost-effective holiday traditions that focus on spending time, not moneyResources mentioned in this episode- The nifty Draw Names App, for organising Secret Santa gifts efficiently- How to skip the plastic & provide your loved ones a better future via KiwiSaver or Investment Funds giftingThis episode is packed with practical advice to help you navigate the financial hurdles of the holiday season so you can focus on what truly matters - spending time with loved ones. So hopefully you'll walk away with at least one actionable idea to make your festive preparations smoother and more enjoyable!---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

A survey has found more than a quarter of Australians expect to receive Christmas presents they will never use or wear. The research by the Australia Institute puts the value of these unwanted gifts at over $1 billion and says many of them will end up as landfill waste.

In the latest episode of the pod Andy & Amelia are talking about the stories from the last week that most affect your money. Including: Cash is back! One in five purchases now made in cash. Three and Vodafone merger - will prices rise? The crazy cost of taking the family out this Christmas Deals of the week And more! For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Moody's Analytics own Scott Hoyt joins the Inside Economics team to discuss the state of the American consumer, as the critical Christmas buying season is set to begin. Consumers have been powering the broader economy, and the team expects that to continue.  But there are a number of consumer-related puzzles, which the team works to solve.Guest: Scott Hoyt, Senior Director of Economic Research, Moody's AnalyticsHosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's AnalyticsFollow Mark Zandi on 'X' @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn

Susannah and Sarah look ahead to Black Friday and Christmas spending. They also discuss how Trump's win and the hike to employer National Insurance contributions could impact retailers and rising prices.We'll hear from Helen Morrissey, head of retirement analysis, who has a different view of what we could be spending our money on this Christmas.Special guest, Paul Reader, Commercial Director of Toymaster, lifts the lid on the golden quarter.Matt Britzman, senior equity analyst at HL, looks at what the season holds in store for retailers.And Emma Wall, our head of platform investments, will take us through a fund manager's view. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Hour 3: Jason and Laura talk about the best high school hangouts. Then on the DeRush-Hour: Lindsey Vonn is returning to skiing! And finally, are you spending more this Christmas?

This week we're tackling the cost of the festive season and looking at how to avoid scams. The cost of Christmas is up almost a quarter over the last three years according to the The Centre for Economics and Business Research. What can you do to keep costs down?And as figures from UK Finance, the trade body for banks, suggest nearly £100m will be stolen from around 200,000 people through fraud and scams over the Christmas period we'll discuss what you can do to avoid them.With Felicity Hannah today to go through your questions and comments we have Sarah Pennells, consumer finance specialist at Royal London and Professor Sharon Collard, Research Director at the University of Bristol's Personal Finance Research Centre.We'll also be hearing from Paul Askew a chef and the owner of the Art School restaurant in Liverpool and he'll be giving us some tips on how to cut the cost of Christmas Dinner.Presenter: Felicity Hannah Producer: Sarah Rogers Reporters: Dan Whitworth and Kath Paddison Editor: Jess Quayle(First broadcast 3pm Wednesday 13th December, 2023)

Happy Holidays! Have you ever wondered what a money coach gives and asks for Christmas? Well, you'll learn today! While I love every holiday following the Fall season, Christmas holds a special place in my heart. Growing up, it was a time of the year that brought so much joy – not because of the gifts, but just the energy from that time of year. I would sit at home, alone, watching Christmas cartoons, just sitting next to the lit-up Christmas tree and would feel pure bliss. As an adult, I still feel bliss sitting next to the tree! In this episode, I'm sharing what Christmas is like as a money coach – the things I give and what I usually ask for.   Here's a glance at this episode: [01:35] If you're listening to the episode right when it airs, then Merry Christmas! Raya is wishing you a wonderful holiday season! [03:37] As Raya got older, she started putting more thought into the gifts she would give. The focus would be on things people needed or that reminded her of them. [06:03] There was a time, specifically college years, where Raya would constantly exceed her spending limit for Christmas, but mostly on buying herself material things. [09:04] A rule of thumb in Raya's family for spending money on Christmas gifts is to stay within $100 per person for gifts. [11:33] Raya always asks for Starbucks gift cards for Christmas, because it's money well spent and will help her stick to the budget during the start of the year.   Subscribe, Rate, Review, & Follow on Apple Podcasts This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.   Resources mentioned in this episode: Struggling with your finances? Request a call with me (and get a budget)! Follow City Girl Savings on Instagram Follow City Girl Savings on TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter! Check out the City Girl Savings blog!

Romina Boccia, Director of Budget and Entitlements Policy at the Cato Institute.  The Wrong Kind of Christmas Spending Spree

Australian retailers are expecting more subdued Christmas sales activity this year. Multiple interest rate rises over the past year and cost-of-living pressures have reduced the budgets for gift buying.

Every month I'm like how did we spend all this money? What I use to track my spending. Monarch pulls in transactions automatically and then once I month I copy-paste everything into My Wealth Dashboard for allll the beautiful graphs. (And so my data isn't ever held hostage by a third party.) These are both referral links! https://www.monarchmoney.com/referral/r7cfif3eez (MINT50 gets you your first year half off) --- Send in a voice message: https://podcasters.spotify.com/pod/show/lizgetsloaded/message

Christmas is the most wonderful time of the year! But it can also be the most financially ruining time of year if you aren't careful. Set boundaries early with your loved ones about expectations for this holiday season. Mentioned in today's episode:5 Days to a Debt Free Christmas Have questions or leads for us? Leave a voicemail – walletwin.com/voicemail Or Email us – email@walletwin.com! Music in this episode is by Dylan Gardner – check out his album Almost Real on iTunes, Spotify, or wherever you listen to great music. --- Send in a voice message: https://podcasters.spotify.com/pod/show/walletwin/message

THE BEST BITS IN A SILLIER PACKAGE (from Monday's Mike Hosking Breakfast) There Must Be Something More Important to Worry About/What Have You Done for Me Lately?/Remember Chris Hipkins?/What Have You Done for Me Lately? Pt.II/Checking Off That ListSee omnystudio.com/listener for privacy information.

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discuss tips for managing Christmas spending. We emphasize the importance of setting a budget to avoid overspending, as well as saving throughout the year specifically for Christmas expenses. We recommend avoiding credit card debt by not relying on credit for purchases. Other tips include shopping early, taking advantage of sales, regifting items that aren't wanted or needed, considering experiences rather than material gifts, participating in Secret Santa exchanges to save money, and receiving more meaningful gifts, among others.   Furthermore, it's crucial to be mindful of spending during the festive season and find creative ways to socialize without breaking the bank. Say yes to things that bring joy and benefits, but be conscious of where you're spending your money. Take control of your holiday spending and make the season joyous without breaking the bank! Join us in being mindful of your expenses and finding creative ways to celebrate!  - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights Setting a budget for Christmas spending Setting up a dedicated savings account for Christmas About regifting Opting for experiences instead of material gifts Setting limits and expectations on gift spending Importance of being proactive and avoiding a rushed approach Considering homemade or environmentally friendly gifts Exploring cost-saving options Creative ways to catch up with friends and family   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast  

22 November 2023: We learn how to spend consciously this festive season with Raji. Dr Vito Castellana and Anna Neva from Vets and Pets Clinic give us advice on our beloved pets. We get to hear about Girls who walk, and Dr Sarah also gives us a rundown on OCD relationships, how it affects us, what are the signs and how to address any concerns you may have. See omnystudio.com/listener for privacy information.

Want to avoid debt this Christmas? Make a budget, limit gifts, and remember the reason for the season - Jesus. Bob and Shawn discuss seven takeaways for Christmas spending. Some takeaways suggest using cash or a debit card instead of a credit card to prevent overspending. Thoughtful and meaningful gifts that will be remembered are usually better than expensive gifts. This Christmas, don't forget to focus on the true meaning of Christmas and to have fun giving gifts!

It's Day 5 of the Christmas Budgeting Series and it saddens me to think that this is the last day of this amazing series. We started out looking into the past so that you can learn what you did and use that information to create a budget for Christmas. We talked about the true meaning of Christmas and creating your own personal family mission for the season so that you are able to enjoy the season rather than wear yourself out from all the craziness of the holiday. Yesterday we talked about 3 ways you can fund your Christmas budget, and today on the last episode of the series we are going to create your Christmas Spending Plan.    Earlier we created a budget allocating how much money goes into which holiday category, but today we are going to jump into each category so that you know what you plan on buying, where you plan on buying it, if you're going to use a sale and so much more.    We get off budget when we only have a budget to follow. If you want to be able to stick to your budget, you have to have a spending plan so that you know what you're looking for and you can easily get it. Think of it like meal planning. When you know what you're going to eat, it's so much easier to stay on budget compared to when you go in without a grocery list and end up buying everything that sounds good.    Xo  Molly    P.S. Don't miss out on the Christma Budgeting Sale that is only available from November 13 through Sunday November 19th. In this sale you get 20% off a Financial Strategy Session plus a Clarity Call that's focused on setting up your Christmas budget based on what you learn in the Christmas Budgeting Series. Head on over and grab your SALE NOW. Let's create your habits and systems together so that you can focus on your family over your finances.  . . . Next Steps:  . Join The One Income Family Community  . Become a One Income Family Insider . Questions? Email me at mollybenell@gmail.com

Hear from Telstra CEO Vicki Brady as she explains how the telco is benefiting from last week's Optus outage, plus SBS Finance Editor Ricardo Gonçalves speaks with Westpac Senior Economist Matthew Hassan about consumer spending trends ahead of the all-important Christmas sales, while Mathan Somasundaram from Deep Data Analytics goes though the day's market action, including CBA's $2.5bn quarterly cash profit.

Hear from Telstra CEO Vicki Brady as she explains how the telco is benefiting from last week's Optus outage, plus SBS Finance Editor Ricardo Gonçalves speaks with Westpac Senior Economist Matthew Hassan about consumer spending trends ahead of the all-important Christmas sales, while Mathan Somasundaram from Deep Data Analytics goes though the day's market action, including CBA's $2.5bn quarterly cash profit.

It's beginning to look a lot like Christmas, even though it's still early November! Retailers are gearing up for what's predicted to be a record-high spending holiday shopping season. But don't let the big numbers fool you - the growth rate is slowing. In this episode, we break down the holiday sales forecasts and what they really mean for the economy. With inflation high and consumers tapped out, experts predict holiday sales will grow at the slowest pace in years. Get the full data analysis and find out what it means for your personal finances heading into the new year.

This week Danni and Laura bring you all the implications of that decision from the Bank of England last week to hold interest rates – from the market moves, to what peak interest rates mean for savers and homeowners. They look at how housebuilders are faring and signs of optimism in the UK housing market. Our interview this week is on the same topic – the UK Property market. Property investment trusts have had a tough time of late, but one vehicle is doing much better than the rest and that's AEW UK REIT, so Dan Coatsworth talks to them about their success. And Danni and Laura look at a slew of data that gives insights into all our spending habits – particularly in the run up to Christmas – including delving into the impact that's having on retailers. And they also cover the big news of office space provider WeWork filing for bankruptcy.

Watch credit cards spending shop smart

Private economist Saul Eslakes speaks to Luke about how the Optus outage affected businesses across the country and how the RBA's decision to raise rates may or may not prevent spending this Christmas.See omnystudio.com/listener for privacy information.

Patti Lovett-Reid and Toonie Tuesday can be heard every Tuesday morning at 8:20 on The Andrew Carter Morning Show.

35% of Americans took on debt to pay for their holiday purchases last year. We don't want that for you. In January, we want you to be filled with great Christmas memories, not great spending. In this episode, Art discusses how to tackle Christmas expenses with the gift of budgeting. Resources:Money in the Light of EternityFree Resources from Christian Money SolutionsAsk a Money Question!

In the latest episode of the pod I'm talking about: How to check your credit report for free Why you need to think about Christmas spending now Barclays' new cashback offer My deals of the week For links and further reading head to becleverwithyourcash.com/cashchats341 ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL   twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence       

As households grapple with cost of living pressures and with Christmas just around the corner, many will be looking for cheaper options for the big day. We speak to listeners who share with us how they'll be managing their finances this festive period. On the expert panel are, Richard Lane, Director of External Affairs at StepChange Debt Charity and Carol Mitchell, Retail Expert at British Heart Foundation. Presenter: Charmaine Cozier Producers: Amber Mehmood and Clare Worden Reporter: Star McFarlane Editor: Jess Quayle (First broadcast 3pm Wednesday 7th December, 2022)

Australian news bulletin for Wednesday 21 Dec 2022. Read by Selvi - SBS தமிழ் ஒலிபரப்பின் இன்றைய (புதன்கிழமை 21/12/2022) ஆஸ்திரேலியா குறித்த செய்திகள். வாசித்தவர் செல்வி

On this episode we discuss the cost of Christmas, Law & Disorderly News, as well as things we did as kids the current generation couldn't fathom doing.

Well we've eventually made it to those Christmas discussions. This week the Dad's talk about spending - should be interesting as both are pretty tight when it comes to spending money! Before we get to that point, the Dad's give us their overview of the week. A surprise pops out when they both start giving their opinion on dance performances!!! yes, that's right, they actually think they know what they're talking about! The main discussion around Christmas and how much people spend could NOT have gone in any more directions. As if we should be surprised with this.... Andy shocks everyone with some wise words which are actually quite sensible (don't tell him that though). This weeks unanswerable question takes a slightly dark turn but Leon is all his sensibleness manages to bring it back to topic. Don't forget to head to our YouTube channel for our latest video. https://www.youtube.com/channel/UCuyLNdkckOkQligJtlQ_wJg Whilst you are there, don't forget to turn on notifications and ring the bell to keep up to date with our latest videos!

Jaime Catmull and Rachel Cruze talk about not breaking the bank for Christmas. Rachel gives tips on how to stick to your Christmas budget and change your mindset about gift-giving while dealing with inflation. Rachel also explores what to do if you're hosting for the holidays and planning on giving gifts.This episode of the Live Richer podcast is sponsored by Hands Off My Rewards.Find GoBankingRates online at:https://www.gobankingrates.comhttps://twitter.com/GOBankingRateshttps://www.facebook.com/GOBankingRateshttps://www.instagram.com/gobankingrateshttps://www.linkedin.com/company/go-banking-rates

Christmas is truly fast approaching and almost everyone is busy with their festive celebrations. But how can we save on our spending and somehow reduce our carbon emissions too? - Papalapit na ng papalapit ang Kapaskuhan, at panigurado na abala ang halos lahat sa paghahanda. Pero paano nga ba tayo makakatipid sa ating mga bilihin at makatulong na rin kahit paano sa pangangalaga ng ating mundo?

Markets with Kim Holsapple, TGM. Later, COUNTRY's Scott Jensen talks keeping Christmas Spending in check.

The boys meet up one more time this year to discuss how they'd spend a £50 eBay voucher for Christmas. They also reveal the contents of their cycling saddle bags with some quite surprising results.

With Christmas less than a month away, Josh & Austin are sharing all you need to know about gift spending in the United States. In this week's episode, the guys share nine fascinating statistics, their thoughts, some tips for you to take, and a couple gift ideas! They might even discuss their choice between wrapping paper and gift bags... Listen now!Sign up for our exclusive weekly newsletter here!

Financial records of Catriona Carey's company bank account, seen by the Sunday Independent, make for shocking reading. The Indo Daily hears how much was spent and where. Host: Siobhán Maguire. Guest: Ralph Riegel. See omnystudio.com/listener for privacy information.

Australian Retailers Association's CEO Paul Zahra on Christmas spending predictions.See omnystudio.com/listener for privacy information.

The Christmas switch has been flicked on, and it's hard to avoid it. Today Kathryn is joined by money expert Simran Kaur to talk about how social media can help pile on the pressure to get the perfect Christmas gift. How can you make sure to stick to your Christmas budget and not give in to peer - and inflationary - pressure?

Are you a spender married to a saver, or perhaps the other way around? Do you usually agree on your Christmas spending budget, or do you think your spouse buys for too many people? So many marriages struggle with these kinds of financial issues, especially around the holidays. On this episode, Julie Baumgardner, Certified Family Life Educator and Senior Director of Winshape Marriage is joining us to offer some hope and some practical help so you don't have to dread the holidays when it comes to your finances. Join in for a great conversation and some encouraging insight. https://marriage.winshape.org Find our show notes at https://expeditionmarriage.org/post/podcast/ep-83-navigating-holiday-finances-without-all-the-stress-with-julie-baumgardner/ Follow us! https://www.instagram.com/expedition_marriage/ https://pinterest/expedition_marriage.org Subscribe on YouTube https://www.youtube.com/@expeditionmarriage

Cost of living pressures and financial stress could mean families that celebrate Christmas this year will spend less on presents compared to previous years. While festive business traders are hoping that holiday spending is one budget that won't be slashed. - اس بات کا خدشہ بڑھ رہا ہے کی اس بار بڑھتی ہوئی مہنگائی اور معاشی دباؤ کے باعث لوگ پچھلے سالوں کے مقابلے تحائف اور سجاوٹ پر کم رقم خرچ کریں گے۔ جبکہ تہوار کے دوران منافع کمانے والے کاروباری تاجر توقع کر رہے ہیں کہ صارفین چھٹیوں کے دوران اخراجات میں کمی نہیں کریں گے۔

Clinton Maynard chatted with Business strategist and consumer behaviour analyst from Marketing Focus, Barry Urquhart, to see how the rising cost of living is likely to impact Christmas spending for retailers and consumers. See omnystudio.com/listener for privacy information.

Christmas is the most wonderful time of the year! But it can also be the most financially ruining time of year if you aren't careful. Set boundaries early with your loved ones about expectations for this holiday season. Mentioned in today's episode: 5 Days to a Debt Free Christmas Have questions or leads for us? Leave a voicemail - walletwin.com/voicemail Or Email us - email@walletwin.com! Music in this episode is by Dylan Gardner – check out his album Almost Real on iTunes, Spotify, or wherever you listen to great music. --- Send in a voice message: https://anchor.fm/walletwin/message

Cost of living pressures and financial stress could mean families that celebrate Christmas this year will spend less on presents, compared to previous years.

Kia ora e te whānau, i tēnei īpāhō we talk about how we prepare for the holiday/summer season and the social pressures of having to spend pūtea because of all the consumer marketing hype that happens around December. We here to remind you that the new norm is simple and at peace!

Everyone talks about those extra kilos that come with the festive season, but opening your bank account after a month of parties, presents and prosecco can be a real shock to the system! Michelle Bowes is here with a simple task that can help you get in control of your spending, and prevent a future spending blowout. CREDITS Host: Rachel Corbett.Contributor: Financial writer & founder of Money Queens, Michelle Bowes. Check her out on Instagram @money.queens.au or head to her website moneyqueens.com.au.Managing Producer: Elle Beattie.Lead Producer: Rachael Hart.Producer and Editor: Amy Kimball. This episode of Small Change does not constitute financial advice or take into account individual circumstances. Always seek your own independent financial advice. Listen to more great podcasts at novapodcasts.com.au.See omnystudio.com/listener for privacy information.

How To Do Christmas - Spending Time

Planning now to spend less

People are already predicting this will be a more expensive and chaotic holiday season due to labor shortages and supply chain issues.  The holidays can be a tricky time of year, emotionally, financially, and physically.  We're eating too much, gaining weight, being stressed at work as it's been a long year, and buying things to make ourselves feel better. So don't get too caught up in “oh, it's the holidays” and spending too much money.  This is the perfect year to focus on reigning in your holiday spending!Last year we did an episode on 6 ways to save during the holidays, but we're upping it with a list of 25 ideas for saving this year!  25 tips to take control of holiday spending:The deals are already here, so you can start shopping now.  Avoid last-minute shopping, especially this year.  Amazon has already rolled out Black Friday-level discounts, and Target announced their “deal days” online.  Many are predicting a lot of things will be sold out before December.  Shop local.  Shopping at smaller, local retailers can help you avoid shipping costs, delays, and higher prices due to supply chain issues.  And support your local community and businesses!Make a shopping list.  Do not just go browsing stores with no plan. That's a recipe for disaster.  Making a list will save you money when you're shopping any time of year, but especially during the holidays.  Think about what your kids need vs. want.  Mix in some needs to their gifts.  Almost half of my kid's Christmas presents are things they need, like new pajamas. Set a budget for your gifts for people, especially children.   If you just keep picking up different things for your kids over a couple of months, you'll have way more than you need or intended.  Set spend limits to keep things reasonable.  Consider discussing and setting spend limits with friends or family where this might be helpful.  Spend within YOUR budget, not other people's budgets or expectations.  Consider a gift exchange.  If you have a group of friends, co-workers, or family that you'll be with and would typically all be expected to buy gifts, suggest doing a white elephant style or more traditional gift exchange.  Avoid the season's “hot” gifts. They're overpriced, and if they're great, you can get it for half off in 6 months. If it's on the cover of the Amazon catalog, avoid it.Tame and limit the holiday decor.  It's great if you love holiday decor, but all things in moderation. For example, you don't need new holiday pillows for your couch every year.  I have a few bathroom holiday towels I put out, and I've been putting out the same towels for 15 years.  They spend one month in action, so they last a long time! Instead, focus on creating hygge or holiday coziness, which doesn't cost a lot of money.Spend reasonably on the holiday entertaining.  You can make an amazing charcuterie board from Aldi or Trader Joes; it doesn't have to break the bank.  Keep things simple, fun, and affordable!  Remember the holidays are about spending time with your friends and family, not impressing them with fancy things.  Consider buying things second-hand or used.  Get creative and make things!  Give the gift of your time. For example, give your partner a coupon book for a massage or give your kids a coupon book for a game of four square.  Give your kids a rain-check if there is something they really want where the price has gotten unreasonably high. Then, get it for them in March 2022 when prices get back to normal.  Leverage coupons, offers, and sales.  This could be choosing clothing for your kids from Sams Club and Costco or looking at the offers inside your credit card app to see where you can score a great deal.  Always google search for a coupon or discount code before you make any purchase online.  And considering using apps like Honey to ensure you're getting the best deals and coupons.  Earn cash-back, points, or miles on your purchases.  Use a cash-back site like Rakuten to get a little something extra for our purchases.  Or put your gifts on a credit card to earn points or miles for travel, but make sure you only charge things you can pay off in that same month. Opt-in to emails from your favorite stores, so you get notified about their best deals.  On the flip side, if you don't have self-control, don't do this, as email marketing might cost you more in the end.  Get your spouse or partner to agree to no gifts this year!Consider gifting experiences over things.  Find a less expensive alternative for Santa pictures, family pictures, or mailing holiday cards.Give back in your time or money to others in need this holiday season, and do this in place of traditional gifts.  Realize that you don't need to spend a lot during the holidays to be happy. Avoid keeping up with the Joneses and lifestyle inflation.Remember that you're at the end of the year, and you want to finish the year strong!  Don't be afraid to return things you get that are unwanted or unneeded. Again, we have a whole episode on this! Top 3 Takeaways:Remember what the holidays are all about. Spend some time thinking about what makes the holidays special for you. Commit to a budget for your spending on gifts and entertaining this holiday season, and track your spending.  Realize that you don't need to spend a lot during the holidays to be happy. Avoid keeping up with the Joneses and lifestyle inflation.Show Referencesfriends on FIRE Episode #069 - Reconsidering the Holidays – 6 ways to save money this holiday seasonfriends on FIRE Episode #79 - How to return unwanted or broken giftsWhat is Hygge?Honey - Automatic coupon codes, promos, and dealsInvisible Hand - Find the lowest price on shopping, flights, hotels and rental carsGo Budget Girl - Where to find affordable holiday family pajamas---Follow friends on FIRETwitterInstagramFacebookLinkedInLeave us a voicemail or text us: 404-981-3370eMail us at:  friendsonfiremm@gmail.comVisit our website: www.friendsonfire.org---Other LinksMaggie's Blog: Mostly Minimal LifeMike's Book: Your New Relationship with Money

Introduction: There are less than two months for the Christmas. With the increasing inflation caused by earlier high tariffs of U.S-China trade war, and nearly two years of pandemic, the price of every consumer goods goes up. Yet, many of us feel that we have to observe the holiday season with gifts, decorations, food, travel and many so called necessities for the season. In today's episode, Dr. Esther Lee, a stock trader and investor, is offering some basic tips in four areas to control our Christmas budget and to avoid post holiday's blues.

This time of year, there are far too many people reflecting on the excessive spending that they have done leading up to Christmas. This leaves many with a feeling of regret and frustration. I want to help everyone of you to leave that feeling in the past. In order to do so, we MUST attack every Christmas season from here on with intensity and intentionality. We must learn how to quit relying on debt and how to save for future events systematically. Let us never let Christmas, or the amount that we spend on Christmas, ever sneak up on us again. Today, we will discuss: 1. Why debt should never be considered when paying for Christmas 2. How we can systematically save for the coming Christmas 3. How to save money when ultimately paying for Christmas gifts   Begin your path to financial freedom today: https://www.youtube.com/channel/UCjyCApAbHBN0Jtw5bAehbRg?sub_confirmation=1   Don't forget to like, subscribe, and leave comments below as I would love your feedback. Be sure to check out my website (www.mnowithdylan.com) where you can get more information on my financial coaching services and more, the podcast of these shows if you are more of a listener than a watcher, and follow the show on any social media outlet (FB, Twitter, & Instagram) @mnowithdylan (Money's No Object with Dylan Howell) [All links in description]. Tune in tomorrow as I talk about the reason for the season and the greatest gift of all! Don't forget to check-in every weekday (Monday-Friday) for new videos which will be uploaded each day at 6 a.m. CDT. Thank you, guys, for tuning into this episode of Money's No Object. I'm Dylan Howell. God Bless!   Website: https://www.mnowithdylan.com/   Financial Coaching Information: https://www.mnowithdylan.com/workwithdylan/   Facebook: https://www.facebook.com/mnowithdylan/   Instagram Page: https://www.instagram.com/mnowithdylan/   Twitter: https://twitter.com/mnowithdylan     (Please keep in mind that I am not a financial advisor. I create these videos for educational purposes only. You and only you are responsible for the investment decisions that you make.)

Paul Brislen is from electronic payments company Paymark joins Nita Blake-Persen

Christmas is definitely our favorite Holiday Season. Darlene and myself start decorating the day after Halloween. We like to buy some new Christmas decorations each year. This is our best Christmas this year since we have our Mom and Dad spending it with us. They will be here with us for four months and we are so excited to have them here. Since the boys don’t spend much time with us. Logan didn’t go into the Navy like he had planned on so we will get to enjoy the Christmas holiday with him and Seth this year. The more the marrier. 2020 has been an ugly year after my Mom passed away and our Sister Audrey passed away just two months ago. ughhh Remember - As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at MillsWay.com. This is for entertainment only. So, let’s talk about Christmas or Holiday Season spending. I saw that Investopedia said $998 is the average amount that consumers expect to spend on winter holidays in 2020. That is down $50 from 2019. Probably due to COVID-19 and people not getting out to the malls shopping. 2021 can’t come fast enough and come on vaccine. I don’t know your views on taking the vaccine but for myself I will be first in line once it is available to us. I always get a FLU shot each year also. COVID-19 has affected everyone in one way or another. For us we have become experts at online shopping. LOL The $998 they said covers gifts, food and decorations. Of course, your numbers may be smaller or higher depending on your own personal budget or family size. Welcome back, let’s talk about what we are looking at spending this Christmas and Holiday season; - $800 on Christmas Gifts. Which is over our budget by $425. We got shopping happy. LOL - $175 on Christmas Decorations. We like to add to our Christmas Decorations each year. This year we about some more outside lights and wall décor for inside our house. - $350 on Christmas and New Years foods and drinks. We want to go all out this year with Mom and Dad here and both boys still with us. - Total $1,325 of Christmas and Holiday spending for our family. We are over the $998 average that Investopedia said for consumers in 2020. But we want to be above average in everything we do. LOL Some more changes we are doing this year due to COVID-19 is we aren’t going to the Mall has often. Also, we aren’t giving out Christmas Cookie trays to neighbors or friends this year. We haven’t drove around looking at Christmas lights like we have in past years either. So sad… Do you have a Christmas Spending Budget? We have one even though we didn’t follow it this year. We teach our boys to have one and stick to it. Then after Christmas to do an Actual of what their expenses were and compare it to their budget. Then make notes what they can do the next year to improve. We hope everyone has a safe, fun and happy Christmas and New Years from our family – The Mills Family. This is our Christmas Card to you. LOL Support me at Anchor.fm/Live4, Patreon.com/Millsway or Paypal.me/Millsway Thanks, and Have a great night. Please Support or Follow me at https://www.patreon.com/millsway for access to all my blogs. Click here for some Side Income and Part-time Business Ideas Millsway.com and Live4.Club --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/live4/message Support this podcast: https://anchor.fm/live4/support

Join Hebz, Fiz and CK in their adventures growing up Brit-ishh! Episode 9 - Part 2 CK shares some opinions on our spending habits at Christmas - should we really be spending the way we do over Christmas? Fiz is the Christmas Grinch but enjoys the sales, and Hebz is more pragmatic towards Christmas. Tune in to find out CK's top tips on preparing for the holiday period spending!

Are you planning to spend more or less on Christmas this year? Plus, we dream of all the ways an adult elf on the shelf could help out around the house.  See omnystudio.com/listener for privacy information.

This week, I’m talking about cutting back on Christmas. Today, I’m talking about how I’ve spent the last 10 years or so systematically slashing my Christmas spending and gift-giving and how it’s benefitted me and my wallet. It’s still a work in progress, but I’m happy with the direction we’re moving and I feel like we’ve found a good balance between lower stress and lower spending, without my young kids being deprived in any way.  When I had my first child in 2014, I saw it as an excellent opportunity to cut back on Christmas traditions and gatherings. It was the perfect excuse to stop waking up early on Christmas morning, loading up the car and driving up to my parents house for opening presents and breakfast.  Since that first family Christmas at home in 2014, I have systematically deleted holiday traditions that I don’t enjoy, and most especially I have cut down on gift giving.  One of the best things I’ve done for my own sanity is cut gifts down to the bare minimum. My children only get one gift each from Santa, and one gift each from Mom and dad. They are free to make gifts for each other, and they each are only allowed one gift from grandparents and aunts and uncles. My husband and I both come from small families, so when you do the math, my kids each have 6 presents under the tree on Christmas. They love it and my husband and I love it because Christmas morning in our house is calm and relaxed, and we end up keeping our Christmas spending to under $500 for everyone on our gift lists by cutting out the excessive gifts for our kids. For reference, the average American spent nearly $1000 on Christmas gifts last year. So our spending is about a quarter of that and we haven’t lost any of the joy. Another thing we do is only buy one or two gifts for each other, and Christmas isn’t a reason to buy expensive jewelry or a new car, despite what the commercials would have you believe.  As for other family, we’ve moved toward the secret santa concept which allows us to just buy one gift and I buy almost no gifts for people outside of my family. If you’re broke in January, I encourage you to set limits on how many gifts and cut back on who you buy for. You should never buy a gift for anyone because you feel obligated. You can always do other things to show you care. A coffee date, invite a friend over for a meal, or write a nice Christmas letter.  I have almost zero gift-giving related stress during the holidays, and it’s because I’ve cut out all but the essentials.  That’s it for today. Thanks for listening. My name is Ashley Micciche and this is the One Minute Retirement Tip. --------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Check out our blog: https://truenorthretirementadvisors.com/blog/ ---------- Tags: retirement, investing, money, finance, finances, financial planning, retirement planning, saving money, personal finance, wealth management, money tips, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast

There is great joy in giving. So let’s pray this prayer before we head out for Christmas shopping. We need the Holy Spirit to guide our decisions and purchases in this season. Meditate on these verses with this prayer: And he said to them, “Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.” Luke 12:15 ESV https://bible.com/bible/59/luk.12.15.ESV The rich rules over the poor, And the borrower is servant to the lender. Proverbs 22:7 NKJV https://bible.com/bible/114/pro.22.7.NKJV “Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also. Matthew 6:19‭-‬21 ESV‬ https://bible.com/bible/59/mat.6.19-21.ESV The blessing of the Lord makes rich, and he adds no sorrow with it. Proverbs 10:22 ESV https://bible.com/bible/59/pro.10.22.ESV #spending #christmasshopping #choosejoywithtisa #dailyeffectiveprayer © Copyright https://tisajones.com Simple prayers for a complex world CLICK HERE TO SUBSCRIBE TO THE YOUTUBE CHANNEL: https://www.youtube.com/tsjones?sub_confirmation=1 --- Send in a voice message: https://anchor.fm/choosejoywithtisa/message

2020 has been a year like no other for retail. With the pandemic ongoing and the uncertainty surrounding what a post-lockdown December looks like, consumers are in a bit of a holding pattern, and as small business owners, we have to expect the unexpected. We will see a Black Friday boom or will there be more in-person purchasing once lockdown is lifted?  With everything so up in the air I want to spend episode 18 of The Resilient Retail Game Plan looking at what current research indicates about the festive selling period and how you can use my five key takeaways to be as prepared as possible when it comes to securing your customers Christmas spending this year. We'll look at the increase in online traffic for both purchases and gift research and the importance of putting your best foot forward when it comes to building your business's digital presence; we'll look at trends in spending across demographics and how, positively, the piece of the purchasing pie being given to small businesses is actually growing; and we'll also cover the key purchase drivers of protecting, connecting and distracting and how you can leverage those themes to best market and share your products with your customers.

The challenge of getting Australians home for Christmas, how spending has changed in the lead up to the festive season, and what to do when your friend acts unethically.

Ryan Morfin, the Chief Executive Officer of Wentworth Management Services LLC, discusses what happens to our economy with the expectation of slowed Christmas spending. He talks about the impact of COVID-19 on holiday spending, ecommerce vs brick and mortar stores, Black Friday, and more...

Financial strategist Ryan Morfin joins to discuss a study that found 2 in 5 shoppers plan to spend less this Christmas season. 11-17-2020 Pat Miller Program

Ryan Morfin, the Chief Executive Officer of Wentworth Management Services LLC, discusses what happens to our economy with the expectation of slowed Christmas spending. He talks about the impact of COVID-19 on holiday spending, ecommerce vs brick and mortar stores, Black Friday, and more...

Meredith Talks about Tips on how to save money, after the holidays. Keep yourself safe from the ghost of Christmas- Spending Past. Stick with your budget and shop wisely. (Prancer doesn't deliver in a day without a hefty fee after all.) --- Send in a voice message: https://anchor.fm/meredith-vento/message

From the article written by Kate Street on simplemost.com "Here's How to Have a Beautiful Christmas While Spending Almost No Money Julie shares with you some fabulous ideas on how to enjoy your Christmas while on a budget!! Please subscribe and set your notifications for the JTS! thejulietusseyshow.comGet our original music here: "And Dance" cdbaby.com/cd/julietussey4 The "Merry Christmas" CD cdbaby.com/cd/julietussey3marykay.com/julietussey for all your anti-aging skin care and beauty needsthejulietusseyshow@gmail.com / thejulietusseyshow.comCelebrate and share Julie's new Television Cooking Show, "The Julie Tussey Show Fabulous Cooking" on ABC36 WTVQThis program airs on Roku, and youtube.com/c/tmetv Subscribe today to see all the shows and much, much more!Thank you for listening today and please share, follow, subscribe and/or leave a great review for us today. We appreciate you!!c&p 2019 Julie Tussey, Tussey Music & Entertainmentfacebook.com/thejulietusseyshowyoutube.com/c/TMEtv

Romance, Christmas Spending, Coffee Study, Introverts/Extroverts, Fruit of the Spirit, Welcome to the Show, Too Early for Christmas, Having Asperger’s, God Creating Things ; Quotes: “You don’t have to have a boyfriend or girlfriend.” “You’re talking yourself out of your own point.” “No one is coming to me looking for advice about holiday decor and Christmas spending.” “Spiritual Fruit is about character.”

Black Friday and Christmas sales are coming but are you prepared? Dave and Reb continue their month long theme of preparing financially, and look at the upcoming season of spending. With billions of dollars being spent on Black Friday, Cyber Monday, and Christmas purchases, they want people to be aware of how much they have to spend, and to be committed to their purchase plans. With advertising promising happiness with every purchase, Dave and Reb are not here to discourage spending, but simply want to raise awareness of the lies marketing tells us, and the wisdom needed as consumers during this time of year. This week's show is sponsored by More Than Enough Financial. Go to www.morethanenough.ca to learn more about how you can prepare yourself financially in your personal spending, your mortgage planning, and your tax preparation. Aired: November 8th, 2019 on CHRI Radio 99.1FM in Ottawa, Canada. For questions or to schedule an appointment with a More Than Enough team member, e-mail david@morethanenough.ca or call 613-520-4157. Visit morethanenough.ca for more information. For more CHRI shows, visit chri.ca.

Christmas can get expensive, but a little bit of planning can help to spend more wisely at Christmas time. In this month's episode of the Hope Talk Podcast, we talk about spending wisely on Christmas gifts, decorations, travel, and charitable giving. The Hope Talk Podcast is brought to you by ComeOnLetsGo. To find out more, visit ComeOnLetsGo.com.

Steven Pritchard looks at saving money at Christmas.

My first podcast with two guests. The awesome Elena and her equally awesome brother, Alex, join me for a hilarious discussion about the following:Alex's opinion on the Kevin Hart homophobic tweet controversy from a couple of weeks agoHow much we each spend at Christmas timeRapid-fire pop culture news from 2018Gwyneth's nightly routineDoctor's getting onboard crossfitInstagram influencers giving shitty adviceRecommendationsBritney Spears Blackout albumRu Paul's Drag RaceThe Push (Netflix)Queer Eye (Netflix)Whatsapp voice message - or any voice messages This was such a fun ep to record. Love these guys. xxxThis episode was produced by Kaity Griffin using royalty free music from Bensound.

Christmas Spending and Paying Debt Luke Smith joined Richard Perno on Radio Station 2CC Talking Canberra 1206AM. The Money Show aired on Friday 14 December 2018. Luke and Richard continued the festive conversation about Christmas spending. What should you do if you find yourself in debt in January? Topics covered include: Being aware of peer … Luke on 2CC – Christmas Spending and Paying Debt Read More »

Credit Cards & Christmas Spending Luke Smith joined Richard Perno on Radio Station 2CC Talking Canberra 1206AM. The Money Show aired on Friday 7 December 2018. Luke and Richard have a festive conversation about Christmas spending and the implications for your financial plan in the new year. Topics covered include: The danger of paywave The … Luke on 2CC – Christmas spending and credit cards Read More »

Flatirons Men's Pastor Dan Foote talks with Flatirons Chief Financial Officer Michael Koehn about how to financially survive this holiday season.

Flatirons Men's Pastor Dan Foote talks with Flatirons Chief Financial Officer Michael Koehn about how to financially survive this holiday season.

As Christmas draws near we wanted to give you a quick wrap up episode, with some tips for budgeting and spending less at Christmas time. Did you know that approximately 43% of Aussies won’t keep track of Christmas spending this year?Australia’s Christmas Spending via MoneySmartCommonwealth Bank Christmas Consumer Spending 2017 Study 12 Money Tips for Christmas via MoneySmartThanks for all of the support during our first few episodes of the How To Money podcast, and we look forward to bringing you bigger and better content in 2018, to help you along your financial education journey.As always, check out the ASIC Moneysmart website for more information. We are also writing about money related topics on Medium now, so definitely check us out there as well.Send your questions, topic suggestions and feedback to us via Twitter @HowToMoneyAUS, and if you enjoyed this episode please leave us a review here on iTunes.

Christmas is just few days away. Many people are still shopping, overspending. And creating financial problems that will last through part of the next year. Let Heather Brittany and Cynthia Brian help you live your holidays dreams without breaking the budget. It's officially winter when suddenly your house may be invaded by uninvited varmints looking for shelter. Cynthia Brian talks with Vector Control for ways to keep the wild things away. Go ahead and ask for seconds of your Christmas feast. The foods we eat are actually really good for you! Dig into the hidden health in this holiday meal. Gardening in December is focused on putting your beds to sleep. It's time to pace yourself and enjoy the peace. Goddess Gardener, Cynthia Brian, sheds light in the darkness.

Joined this week by Columbus Event Producer and Columbus fashion icon Rio Hairston we talk 1. Mistrial in Walter Scott Case 2. Should Trevor Noah had given Tomi Lahren a platform for her outrageous stand against Black Lives Matter 3. Christmas Spending with Rio 4. Entrepreneurship in Rio's world and what is in store in the future for our guest. Enjoy!!

It’s that time of year again when everyone is busy shopping and preparing for Christmas. I know for me, the stress of trying to get everything done between Thanksgiving and Christmas can be overwhelming! You’re trying to share your time, gifts, and good wishes with everyone you care about and the Christmas spending can get out-of-control! The media, TV, commercialism, … Read more about this episode...

Ed Butowsky, wealth manager, financial advisor, and managing partner of Chapwood Investment Management, joins Fox News to examine consumer percpetion of the economy despite high unemployment retailers had a bonanza Black Friday and great Gray Thursday.

Is Carrier IQ evil? Maybe the fault lies elsewhere. Just in time for the latest spending orgy, Apple opens its Grand Central store. If you're having a software problem, solving it involves selling no whine before its time. A flawed survey backs the NTSB's proposed texting ban. In Short Circuits: XXX, tablets, Help and the Blues Brothers, and Habitat for Humanity.