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.

 

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Resources mentioned in this episode:

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