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The ad industry is seeing major shifts, with Microsoft stepping back from Xandr amidst the rise of AI and the complexities of CTV advertising at the forefronts. Meanwhile, the value of local advertising is in question, as it struggles to keep up with the evolution of digital platforms and measurement.
When you think of ways to relieve stress, gift cards probably don't top your list. But new research from Blackhawk Network suggests they might be the unsung heroes of holiday stress management. In this episode, Ben Jackson chats with Sarah Kositzke, Senior Global Insights Manager at Blackhawk, about the company's 2024 holiday spending study. Join us as we discuss: The continued growth in gift card spending. How consumers are turning to AI for their shopping needs. The surprising role gift cards play in reducing stress before, during, and after the holiday season. This episode was recorded on February 28, 2025—so some details may have changed by the time you listen. Resources: Get the Post-Holiday 2024 Research Infographic Now! | BHN Upcoming Event: Don't miss the Innovative Payments Conference in Washington, DC, from April 29 – May 1! Learn from legislators, regulators, and industry experts about the forces shaping the payments landscape. Podcast listeners get $25 off registration with code Podcast (make sure to capitalize the first letter).
In the first episode of 2025, Allan welcomes back Sean McCormick, VP of Business Development at Moneris' Data Services, to discuss holiday spending trends from 2024 and their implications for 2025. They touch on the significance of Black Friday sales, regional differences in consumer spending, and predictions for economic recovery. Subscribe now!If you have a payment-related or business question you'd like to submit to one of our experts, you can email us at podcast@moneris.com.Just Good Business is a Moneris podcast production hosted by Al Grego.
Plus: U.S. jobless claims fall. And Microsoft raises 365 subscription prices as it tries to profit from its huge AI investments. Luke Vargas hosts. Programming note: Minute Briefing will release its next episode midday Friday. Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices
Cyber Monday. Small Business Saturday. Black Friday. Or maybe your holiday spending started as early as the day after Halloween, when more major retailers than ever launched Christmas sales campaigns. However long ago the spending started, many of us are bringing the new year in with a serious budget and debt hangover. GreenPath Financial Wellness Innovation and Diversity Strategy Leader Omari Hall joins Your Money Your Life to share ways to restore your financial health, setting you up for better in 2025.
Abe Ashton discusses the impact of inflation on holiday spending, highlighting how many Americans are resorting to credit cards to cover expenses. He emphasizes the importance of addressing underlying financial habits rather than just the symptoms of debt. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.
We're here to give you some #Holiday #spending tips. And who do we tend to overspend on? Our kids and grandkids!Feat Mary Sterk#holidayshopping #budget #shopping #impulsebuying #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.comSubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter
Consumer analysts Dylan Carden and Phillip Blee discuss their team's latest Consumer Pulse report, including holiday shopping trends, anticipated consumer spend, the popularity of gift cards, and the resilience of value and convenience retailers. *This episode was recorded on December 6, 2024
If you go #holiday #shopping without a plan, you're going to risk #spending too much. Having a plan is a key piece of relieving holiday #stress. Feat Karen Van De Steeg#holidayshopping #holidays #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.comSubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter
Job openings remain strong, what does that mean for our economy? The Job Openings and Labor Turnover Survey, also known as the JOLTs Report, showed job openings of 7.74 million in the month of October topped expectations of 7.5 million and increased from September's reading of 7.4 million. While it was nice to see the increase, I wouldn't be surprised to see job openings decline further from here. Openings peaked in March 2022 at over 12 million and have been on the decline since then. While that may sound problematic, these numbers were greatly distorted by the Covid shutdown and then the reopening that followed. We had never seen more than 8 million job openings pre Covid and at the peak there were more than two job openings for every available worker. We still have a very healthy labor market considering there are still 1.1 available positions for every unemployed worker. I would actually say the labor market is in an even healthier place at this point in time. With the excessive amount of openings, we saw a lot of employee turnover and quits which I believe led to elevated wage inflation. The labor market is much more balanced at this point in time, which should lead to less concerns over wage inflation. This should then be positive for the overall inflation rate which the Fed has been battling the last couple of years now. The labor market continues to produce strong results! November payrolls showed a very nice increase of 227,000, which topped the estimate of 214,000. The two prior months also saw positive revisions with October now showing gains of 36,000 versus 12,000 and September showing an impressive growth of 255,000 versus 223,000. While the November gain may look quite strong, it's important to put this in perspective and pair it with the weak October report. October was challenged as it was held back by impacts from Hurricane Milton and the Boeing strike. This essentially reduced the jobs in the October report and added them to the November report. If we instead look at an average of October and November, we would then see growth of 131,500, which is still strong but not nearly as impressive as the November headline number. Areas of strength in the report included health care and social assistance which was up 72,300, leisure and hospitality which was up 53,000, and government which was up 33,000. While the government number includes state, local, and federal, I am curious to see what these numbers look like next year with Elon Musk and DOGE taking a closer look at government spending. Instead of consistent gains from this sector, we could potentially see a decline in payrolls. Utilities which saw a decline of 100 and retail trade which saw a decline of 28,000 were the only areas that produced a negative result in the month. I was surprised to see retail trade on the list considering the busy holiday season, but it is believed the later Thanksgiving holiday had a big impact. With the report largely in line, expectations for a Fed rate cut jumped to nearly 90% when they meet on December 17th and 18th. At this point, I would be very surprised if they didn't do a quarter point cut at that meeting. I do believe after that cut though, there could be a pause until we see further data. Holiday spending is looking positive We have now been seeing predictions for what spending will look like for the holiday season. It's no surprise to me those numbers are looking pretty good with estimates for spending to increase somewhere between 3.8 and 4%. These estimates should be confirmed or may even be a little light with the success of the post-Thanksgiving deals. Data from Mastercard showed Black Friday retail sales, excluding automotive, increased 3.4% compared to last year. This came with a huge increase of 14.69% for online shopping compared to an increase of just 0.7% for in-store sales. According to Adobe Analytics, Cyber Monday then set a record with $13.3 billion of sales. This was an increase of 7.3% compared to last year. Overall, Adobe Analytics showed online spending for the Cyber Five rose 8.2% year over year to $41.1 billion. The spending looks good for a few different reasons. First, the election is finally over. Based on what I was reading, I believe people really stopped spending because of their uncertainty of what direction they thought our country would be heading. Now that the election is over, consumers are benefiting from and feeling good about a strong stock market that has done well this year and we still seem to be getting some price appreciation on our homes. According to the conference board, their recent report showed the strongest monthly gain in consumer confidence in over three years. We will continue to keep you informed and updated on holiday spending, but based on what I'm seeing I do expect consumer spending for the holiday season to have a strong increase from last year and perhaps when we see the real numbers in January, they could come in higher than those estimates! Trading stocks 24 hours a day is coming soon! With technology today I believe it will definitely happen, but the question is when? I think a more important question is do we really want it? Currently the market trades from 9:30 in the morning until 4 o'clock in the afternoon Eastern standard time. There is also currently low volume in after-hours trading. Companies like Robinhood and even Charles Schwab allow for trading of some equities after hours in a lite market. I have been managing money now for over 40 years and I've seen the good and the bad. What worries me is this could become too much stress for some people to handle. I can see people waking up at 2 o'clock in the morning to check to see whether their stock is trading up or down and this could become a regular habit which could happen anytime at night. It would also allow people to make impulsive decisions since you have your phone with you 24 hours a day. Once that trade is made it's done in terms of its financial impact but will you then worry about it and not be able to sleep? Investing can cause a toll on your emotions and I think having that break from 4 PM until the next morning at 9:30 gives your body and mind an emotional break. If you're a trader and you're gambling you probably don't care much about reading the news or digesting the most recent earnings release before making any financial decisions, but if you are a true investor and you invest for the longer term you don't need 24 hours a day to trade. You will use the break to read and analyze your decisions because you want to do your research before buying or selling. Be careful what you wish for! Tax Problems with Overconcentrated Portfolios We've seen many cases where someone has a lot of unrealized capital gains in a taxable investment account and they are afraid to sell anything because they don't want to pay taxes. This is more common with older people because they might have bought something decades ago that has appreciated substantially. Because of this appreciation, one position or a small number of positions may make up the majority of their entire portfolio resulting in a lack of diversification and a much higher level of risk. In turn they feel backed into a corner because selling results in taxes but holding continues the investment risk. There are many ways to deal with this such as charitable remainder trusts or collar strategies, but before any of that it is important to understand what that tax impact actually is, because in many cases it is not as bad as people think. Selling a long-term investment result in a capital gain which is reportable income, but long-term capital gains are taxed at lower rates than ordinary income like wages or IRA withdrawals. In many cases, that tax rate can be as low as 0%. For an elderly married couple who claims the standard deduction, if their total income, including long-term capital gains, is less than $126,350, those gains are taxed at 0%. If their income exceeds that level, only the capital gains above the threshold are taxed at the higher rate of 15%. This is important to know because we've spoken with people who have some social security income, maybe some RMDs, and a little interest income, but their adjusted gross income is only $80,000 and they are worried about selling stock and paying taxes on gains. What they don't realize is they can handle over $46,000 of additional capital gains without paying any federal income taxes on them. They may be perpetually carrying an unnecessary level of risk in their overconcentrated investment portfolio because they are so worried about taxes when they have the ability to liquidate and diversify a portion of their portfolio every year tax free. By better understanding their tax situation, they can be more informed about making investment decisions. Companies Discussed: Intel Corporation (INTC), Target Corporation (TGT), The Gap, Inc. (GAP)
The holidays are notoriously overwhelming for a plethora of reasons but at the top of most peoples list are: family and finances. On this episode, Sarah and Katrina share a few ideas on lessening the stresses of holiday spending. Whether it be budgeting based on last year's spending or becoming your own Santa, they provide some helpful tips to eliminate some stress this holiday season! Special thank you to this episode's sponsor, State Farm!
Holiday $pending is UP / Retailer Return policies / Last year $730 billion dollars in returns // Tim is Mr. Costco has some concerns // Tim on Fox 11 with Elex & Marla // Latest on United Healthcare CEO shot
Your 60-second money minute. Today's topic: Big Holiday Spending Ahead
Today, we're talking about backlash to President Biden pardoning his son Hunter; the President of South Korea declaring martial law; holiday spending numbers; and other top news for Wednesday, December 4th. Stay informed while remaining focused on Christ with The Pour Over Today. Please support our TPO sponsors! LMNT: https://links.thepourover.org/LMNT_Podcast TPO Gift Guide: https://thepourover.org/gift-guide-2/ Upside: https://links.thepourover.org/Upside CCCU: https://www.mycccu.com/tpo/ The Voice of the Martyrs: vom.org/TPO CSB Gift Guide: https://links.thepourover.org/CSBGiftGuide HelloFresh: hellofresh.com/freepourover
The holiday season is here, and with it comes the joy—and stress—of gift-giving and financial planning. In this episode of Love Always, Self, Shyra and Karista dive into the concept of financial consciousness and share practical tips for navigating money mindfully during this festive season. From understanding your relationship with money to setting intentional financial goals, we discuss how to approach budgeting with awareness and gratitude. Hear Shyra's personal journey of transforming her mindset from scarcity to abundance, and gain insights into creating balance between short-term fun and long-term goals. Join us for this heartfelt conversation filled with laughs, relatable stories, and empowering advice to make this holiday season both meaningful and financially stress-free.
Are the holidays putting a strain on your wallet? Don't let holiday spending lead to financial regret this year. In this episode, we'll share holiday spending tips, budgeting strategies, and gift ideas that will help you enjoy the season without overspending. Whether it's shopping for gifts, hosting gatherings, or traveling, you'll learn how to navigate the holidays with confidence and financial peace of mind. What You'll Learn in This Episode: How to rethink gifting with meaningful, budget-friendly ideas Practical holiday budgeting tips to keep your finances in control How to avoid emotional spending traps and retailer marketing tricks Fresh holiday traditions that save money while creating lasting memories Why thoughtful, sincere gifts matter more than expensive ones Key Takeaways:The holiday season isn't about how much you spend—it's about the connections you make. With these strategies, you can stay on budget, reduce stress, and enjoy the holidays without financial regret. Subscribe for weekly personal finance advice, budgeting hacks, and strategies to help you take control of your money and achieve financial freedom. Let's make this holiday season a win for your wallet. --- Support this podcast: https://podcasters.spotify.com/pod/show/thefinancialmirror/support
There is no biblical commandment directing us to SPEND-SPEND-SPEND to honor the birth of sweet baby Jesus. However, year after year, the season has become less religious and more commercial. Clever advertisers know the perfect strategies to persuade us to buy. So then what should we do in this season of spending? This episode I share tips that will benefit your wallet and your community. If you enjoy Nurah Speaks, please share the podcast with friends, family, and colleagues. Every time you share, you help the show's growth. If you would like to engage with the Nurah Speaks podcast, submit your listener questions or topic suggestions to info@NurahSpeaks.com. Listeners can also learn more about Nurah by visiting her website: NurahSpeaks.com. Follow Nurah Speaks @NurahSpeaksPodcast on Facebook, Twitter and Instagram. To bring Nurah as a speaker at your next event, email info@NurahSpeaks.com. Remember, don't just Join the Movement, Be the Movement!
3 Questions by Corey Kareem - The Key to Success is Massive Failure
In this episode I chat with Khabir Muhammad, the visionary CEO and Founder of CreditFixrr. During this fruitful conversation we discuss his journey from Compton, California to creating a revolutionary platform for financial empowerment. Khabir also shares insights on overcoming challenges, bridging the gap in financial literacy, and his mission to empower under-served communities to achieve financial independence.
The holidays are here, and with them comes the chaos of gifts, parties, travel, and yes—financial stress. But what if this season, instead of just surviving, you started building wealth? In this festive episode of Everyone's Talkin' Money, I'm breaking down the 12 Days of Wealth Building—a countdown of 12 small, actionable steps to boost your financial health during the holidays and beyond. From creating a holiday spending plan to starting a savings account for next year, these tips are designed to be fun, practical, and totally doable—even if you've already started the holiday shopping spree. Get ready to finish the year strong and kickstart 2024 with confidence and cash in your pocket. What You'll Learn in This Episode: Why 70% of Americans overspend on holiday gifts—and how to avoid it. How to create a "Holiday Debt Escape Route" to keep your finances in check. Why canceling just $50/month in unused subscriptions could turn into $8,300 in 20 years. 12 simple actions you can take right now to finish the holidays with your finances intact. LINKS Follow me on Instagram Courses + Workshops + Money Coaching Information SPONSORS Thanks to Jenny Kayne for sponsoring the show. Get 15% off by going to http://www.jennykayne.com/etm15. Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm. Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/ Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns. Thanks to NerdWallet for sponsoring the show. Don't wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. After trying out Monarch for myself, I understand why it's the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices
The holidays don't have to derail your financial goals! We talk about managing holiday expenses, including a gift that Erin has recommended for years, that leaves a last mark but costs zero dollars. To get started with your own FREE Love Journal, go to www.lovejournal.ca To learn more about Transformation Weekend, go to www.transformationweekend.ca _______________________________
What other time of the year takes so much out of us- financially and otherwise?! Don't let gift giving pull you down! Make plan, be ready, take some precautions and DON'T max out your credit cards! Questions@CreditKristi.com
Segment 1: Ted Rossman, Bankrate.com Senior industry analyst, joins John to tell us what we can expect from holiday shopping this year. Has Cyber Monday become more popular than Black Friday? Segment 2: Elliot Richardson, Co-founder and President, Small Business Advocacy Council, joins John to talk about what the city of Chicago can do to better support its small […]
The national average price of gasoline fell to $3.01 per gallon this week, but not in California & The price of turkey fell for a second consecutive year. Guest Co-Host: Blake Taylor The ‘Broeske & Musson Podcast' is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.
Welcome to today's ICYMI, where we kick off the week with a quick game-changing tip from one of our guests that you might have missed. With the holidays around the corner, setting savings goals can feel like a losing battle. So we're throwing it back to some helpful tips from Melissa Leong, on how to easily and gradually automate your savings so you can set it and forget it, and why talking about money with friends can help you hit your financial goals faster. Melissa is a sought-after speaker, award-winning writer, and best-selling author of the feel-good finance guide, Happy Go Money. She is the money expert on Canada's leading daytime talk show, The Social on CTV, and she's the host of the Money Moves podcast. Listen to the full episode with Melissa here!Follow Melissa:http://www.melissaleong.com/https://www.instagram.com/lisleong/ Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadult
CBS News Business Analyst Jill Schlesinger talks about holiday spending
I am so excited to welcome back co-hosts of the Frugal Friends Podcast - Jen Smith (personal finance expert) and Jill Sirianni (social worker) here on Minimal-ish to talk about all things values-based spending during the holiday season. Around here, we are no stranger to intentional living in many areas of our lives, including our spending habits. I absolutely loved this conversation because Jen and Jill bring such an incredibly gentle yet practical approach to navigating holiday budgeting with that same level of intention we strive for in our day to day life. Links from this episode: Frugal Friends Podcast Frugal Friends Website Frugal Friends on Instagram Pre-order “Buy What You Love Without Going Broke” More episodes with Frugal Friends: Jen of Frugal Friends on Minimal-ish Podcast: Simple Habit Shifts to Help You Become Debt Free & Reach Financial Goals with Jen Smith Desirae on Frugal Friends Podcast: Letting Go of Material Possessions to Save Money w/ Desirae Endres More episodes on this topic: Episode 215: Values-Based, Deprivation-Free Budgeting + A Conversation on Comparison with Alli Williams Episode 168: Simple Ways to Start Changing Your Shopping Habits (Bring Less into Your Home) Episode 167: Simplifying "Sticking to" your Budget + Tips for Your Grocery Budget Woes with Carly of Debt Free Mom Sponsors: MeUndies: Check out the brand new MeUndies Kids line today. To get 20% off your first order, plus free shipping, go to MeUndies.com/minimalish, and enter promo code minimalish. Born Shoes: Go to BornShoes.com today for a 15% discount plus free ground shipping on all full price shoes when you use my promo code, MINIMALISH. Manscaped: Get 20% off + free shipping with the code MINIMALISH at manscaped.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Send us a textThe word inflation is thrown around so much that people are often scratching their head wondering what it really is and the direct impact to them. There are costs that we all have today that will likely increase along with new expenses that we do not currently have to worry about. But, what is inflation? And how does it directly impact each of us personally… especially during the holiday seasons? Bucket up while we jump into the topic of inflation and share ways for you to approach it head on so your finances can continue to thrive. vTake our quick quiz to see how protected you are https://flveterinaryadvisors.com/protected-assessment/Find our book "Unleashed: The Financial Clarity Every Veterinarian Needs" at https://lnkd.in/ehqujdf8-----Extra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ
Impending holiday shopping costs are not just intimidating adults this season, teens report feeling the budget crunch in a new survey from Junior Achievement. According to the study, 70% of teenagers reported feeling concerned about the impact on inflation on their gift giving, but how much money do teens have to begin with? Dave and Debbie look at how teens are getting money, and where they are spending it. Listeners share their tips and tricks for managing holiday spending with their teens.
Let's be real, Black Friday is not what it used to be. Long gone are the days of getting up at 4 am to go to Kohls and stand in line for an hour in the freezing cold for a $10 fleece blanket… It's just not the same. BUT, what if we could go into Thanksgiving with our holiday spending plan in place. Imagine opting-out of Black Friday and going to the Christmas tree farm instead. Can we just ask ourselves… What do we want our holiday season to look like, and how can we align our gift giving, and our spending to make our holiday vision come to life?Whether you have a little or a lot to spend, I believe the key to joyful gift giving is going in with a plan and a budget for giving. Tune in for my 7-step process for a stress-free holiday season so sweet even your bank account will feel merry & bright. WILDFLOWER SHOWNOTES : shannaskidmore.com/holiday-spending-plan
ICYMI: Hour One of ‘Later, with Mo'Kelly' Presents – Thoughts on the backlash the Los Angeles City Council is facing from Small Businesses in Los Angeles over a proposed ordinance to raise employee wages in the city…PLUS – A look at the top 10 holiday-spending cities in the country AND the top cruise lines for 2025 - on KFI AM 640…Live everywhere on the iHeartRadio app
The holiday shopping season is here, and for many people, that creates stress and anxiety. This week, host Paula Felps sits down with Bright Dickson, co-host of the Money and Mindset with Bright and Brian podcast, to talk about how we can change our approach to holiday spending for less stress and more joy. In this episode, you'll learn: Some of the things to consider before you start buying presents this year. Why setting an intention about how you want to feel can help in your gift-buying decisions. The power of choosing experiences over gifts.
Hey friends, Have you experienced a case of the dreaded holiday financial hangover?! No fear, today we have the cure-all. Thanks to the amazing family budgeting specialist Sarah Brumley of Lemon Blessings, we can avoid financial burnout and find more joyful spend with our money (and time). If you want to save big this holiday and head up a bright financial outlook for the New Year, you'll want to listen in to Sarah's simplistic and realistic ideas around saving your pennies. In this episode we explore: Strategies for staying organized with holiday spending to avoid post holiday financial regret. Common pitfalls people fall into with holiday spending and how can they avoid them. Setting boundaries around holiday spending when there are a lot of social expectations. How to use your holiday budget as a practice round for broader financial goals in the New Year. Simple end-of-year financial “clean up” tasks that families can do now to ease into January. First steps families should take to organize their finances for the upcoming year. Sarah's favorite tools, apps, and printables for organizing your finances Grab Your MIND OVER MESS 1-Hour Decluttering & Strategy Session. (Available only to podcast listeners through 12/31/24. Limited space available.) Send an email to: Info@OrganizeWithKristina.com Subject line: "15 minute consult", to get started for free. Join the Decluttering & Organizing Made Easy Community: Decluttering and Organization Made Easy Facebook Group! https://www.facebook.com/groups/397332269747340 Join the Newsletter for exclusives, insights, additional tips and hacks: https://kristina-borseti-llc.ck.page/ac428baac7 CONNECT WITH SARAH Sarah's Blog & Resources: https://lemonblessings.com/ Financial Fix-Up Podcast: https://podcasts.apple.com/us/podcast/financial-fix-up-family-budget-tips-frugal-living/id1458763767 Sarah's Family Budget Planning Printable: https://lemonblessings.com/product/monthly-family-budget-worksheet-download/ Financial Fix-Up Yearly Planner & Other Useful Printables! https://lemonblessings.com/shop/
Chris and Anne welcome Chad Lusk from the A&M Consumer and Retail Group to unpack findings from their latest consumer sentiment survey. They explore how economic factors are reshaping holiday spending, consumer loyalty, and shopping behaviors. Key topics include: [00:30] Consumer Spending Decline: A 9% net decrease in holiday spending. [01:45] Economic Impact on Basics: Why fresh food is losing ground to packaged goods. [02:50] Retail vs. Brand Loyalty: Consumers' preference for banner loyalty when cutting costs. [04:20] Generational Shopping Patterns: Contrasting online and in-store shopping behaviors. [06:10] Retail Strategies for 2024: How retailers can meet diverse consumer needs. Tune in for actionable insights and Chad's expert analysis on the latest consumer behaviors! To read the full Consumer Sentiment Survey, click here: https://alvarezandmarsal-crg.com/insight/consumer-sentiment-survey-fall-2024/ Music by hooksounds.com Sponsored Content #holidayshopping #retailtrends #consumerinsights #shoppingtrends #retailstrategy #economicimpact #generationaldifferences
What you can do this holiday season when trying to stick to a budget. Also, a deep dive into the immense popularity of Chicago's Affy Tapple empire. Plus, how to make your favorite dishes healthier and heartier.
Are you emotionally ready for the crazy shopping holiday season? In this episode, we explore how to manage your money, mindset, and holiday spending with intention and faith.
Holiday Spending Woes. www.watchdogonwallstreet.com
Stephen Rogers, Managing Director at Deloitte Insights Consumer Industry Center, joins the show to discuss why holiday retail spending is up per household, how online shopping wins the holiday season, and whether self-gifting will remain prominent since last year's report. Hosted on Acast. See acast.com/privacy for more information.
ABC News Correspondent Jim Ryan talks about how consumer spending on the holidays is expected to rise this year. According to a new survey, 24% of shoppers say they plan to visit more brick-and-mortar stores than they did last year.
A recent study reveals Gen Z and Millennials are most likely to make impulse buys during the holidays than Gen X and Baby Boomers. I joined CBS Mornings Plus with tips to make smarter spending decisions as gift-giving season nears.Have a money question? Email us hereSubscribe to Jill on Money LIVEYouTube: @jillonmoneyInstagram: @jillonmoneyTwitter: @jillonmoneySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
No matter which holiday you celebrate, the season comes with many expenses and obligations and holiday spending can lead to debt if you don't plan ahead. In this episode, I'm sharing strategies to help you have a debt-free holiday season. I guide you through exercises to identify what you truly value about the holidays and how to incorporate those values into your budget. I also emphasize the importance of making a detailed gift list and setting realistic budgets so you avoid overspending. Additionally, I explore alternatives to traditional gifts, such as experiences and travel. Whether you're feeling the pressure of holiday obligations or concerned about overspending, this episode provides practical tips to help you enjoy the season without financial stress. Tune in for insights on celebrating a debt-free holiday! Try these strategies to plan for the holiday so you can have a debt-free holiday season… [02:26] Put the holidays in your budget [05:12] Write down what you value about the holiday season [08:33] Decide how to express yourself this season [12:44] Make a detailed gift giving list [17:05] Change the gift giving narrative [22:15] Make an event list Tune into this episode of Money Files to start planning for a debt-free holiday. Get full show notes and the episode transcript: https://wealthovernow.com/mastering-holiday-spending-how-to-plan-ahead-and-enjoy-a-debt-free-holiday/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
PGIM Economist Tom Porcelli discusses what will be most important for the markets and the Fed to look for in today's PCE report. Plus, Wedbush's Joel Kulina breaks down the key takeaways from Meta and Microsoft's results. And, Visa chief economist Wayne Best unveils the company's holiday spending forecast, and whether consumers will be shelling out more for gifts this year.
ADVICE SESSION #10!!!!! ALL THINGS FALL
If you're anything like old Raya, the holidays can put a hurting on your budget. Between Christmas gifts, personal gifts, stocking stuffers and sales galore, it's easy to find yourself going into debt during the holidays. Trust me…I was there. Black Friday was my time to buy gifts…for myself! I would buy other people gifts too, but not going to lie – I shopped quite a bit for myself. I want you to learn from my mistakes! In this episode, I'm sharing 6 reasons not to go into debt during the holidays. It can be exhilarating to get caught up in the shopping swirl, but if it's not under control, it'll add up quickly. Here's a glance at this episode: [02:12] Raya shares how she would use the holidays to spend money on herself and it ended up costing her a lot of money. [04:55] Don't wait until the New Year to keep your spending in check. Starting before the New Year helps you go into another year already on track. [08:40] If your kids see you going into debt for holiday spending, what message are you sending them? [11:13] The people who care about you don't want you to be financially worse-off just to buy gifts for them. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube! Resources mentioned in this episode: Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!
Today's top stories, including a new poll has Trump with a slight edge over Harris in presidential race. Many Americans are short on emergency savings which could affect holiday spending. Dr. Phil previews his special on the legality of aid in dying. A major update comes down in the Harvey Weinstein trial. What's Trending: the royal butler show the proper etiquette while eating hamburgers.
In this episode, I'm joined by Elisa Swern, a national retail and consumer leader and partner at PwC Canada. With over 25 years of experience in the retail and consumer goods sectors, Elisa brings her extensive expertise to discuss the findings of PwC's Canadian Holiday Outlook Survey for 2024. Listen in as Elisa dives into the expected increase in consumer spending this holiday season, despite economic challenges. She also highlights the spending behaviors across different generations and provinces and shares insights into the growing importance of sustainability in consumer choices. You'll learn about the rise of digital payment methods, the intriguing trends around physical gifts and secondhand purchases, and more. "They are willing to pay a little bit more to get that quality that they feel will last." - Elisa Swern This Week on Young Money: The general consensus for holiday spending according to the survey. How spending and plans stack up for Gen X, Gen Z, and Millenials. When people are planning to make their holiday purchases. The motivations driving what they buy and how. The findings on sustainability that came out of the survey. Key takeaways: Despite cost of living concerns, Canadians plan to ramp up their spending this holiday season. We are seeing a shift toward sustainability and ethical consumerism. Spending patterns differ among different generations. Digital payments and secondhand purchases are gaining popularity. Connect with Elisa Swern: LinkedIn PwC Canada Rate, Share & Inspire Other Young Millionaires-in-the-Making Thanks for tuning into the Young Money Podcast - the advice show for young millionaires-in-the-making! If you enjoyed this week's episode, head over to Apple Podcasts and leave us a rating and review. Visit our website to learn how easy it is to leave a review on Apple Podcasts. Don't forget to share your favorite episodes on social media! Follow the Young Money Podcast on iTunes so you never miss an episode and reach out to us on Facebook, Twitter, LinkedIn, our LinkedIn Company Page, or by visiting our website.
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Fall is my favorite season! The weather is cooling down, pumpkin spice lattes are flowing, and the holidays are around the corner! There are so many wonderful things that come with the fall season, so it's only right that our budgets are adjusted accordingly. In this episode, I'm sharing 5 budget adjustments to make for the fall season. Since we know that fall and winter seasons come around the same time every year, establishing a process and routine to prepare your budget ahead of time can keep you on top of your financial goals! Here's a glance at this episode: [01:35] Don't let the fall vibes cause you to overspend! Creating a budget specifically for the fall season can help you stay on track with financial goals. [03:40] Raya recommends adjusting your budget to send money to a “Holiday Spending” category to help with seasonal shopping. [08:00] The holidays can be a great time to pick up things you've been needing. Be mindful of picking up things that are on sale. [10:45] Consider reducing your current budget categories to help allocate more money to holiday-specific spending. Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube! Resources mentioned in this episode: Listen to CGS Podcast #45 – How to Prep Your Budget for the Holidays Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!