October 28, 2024 ~ Lucy Ann Lance talks with Nicole Bernacik from University of Michigan Credit Union (UMCU) for this week's Money Monday. As the holiday season approaches, consumers are adopting budget-friendly shopping strategies. A survey reveals that while 64% of shoppers plan to maintain their spending levels, 21% intend to cut back. Starting holiday shopping early, from July to October, helps spread out expenses and reduce financial strain.