November 18, 2024 ~ Lucy Ann Lance talks with Nicole Bernacik from University of Michigan Credit Union (UMCU) for this week's Money Monday. Nicole provides tips for managing holiday gift spending within a budget, addressing the financial strain that often accompanies the festive season. With retail sales nearing $1 trillion and many consumers spending about $1,000 on Christmas, it is noted that around one-third may incur debt. Financial education specialist Nicole Bernacik advises starting shopping early to avoid last-minute overspending, allowing for price comparisons, discounts, and avoiding rush shipping fees.