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November 15, 2025 11 mins

Do You Regret Your Holiday Spending? January holiday regret is a real bummer, right? We dive into some eye-popping stats that show 36% of Americans are dealing with holiday debt, averaging around $1,181 this year. That’s up from last year, and guess what? Nearly half of those folks are still paying off last year's debt. So, what gives? We chat about how to dodge that regret train this year and keep the holiday joy alive without the January hangover. Join us as we share some solid tips to keep your finances in check and help you start the year with a smile instead of a frown when those bills roll in. Let’s kick that cycle of financial shame to the curb!

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January can be a real bummer, especially when those holiday bills come knocking at your door like an uninvited guest. We kick things off by diving into some pretty alarming stats – 36% of Americans went into holiday debt this past season, averaging a whopping $1,181 each. That's a lot of dough! And guess what? Most of those folks are regretting their spending like it’s a bad hangover. But don’t worry; we’re here to help you dodge that regret this year. The holiday season should be about joy, not financial hangovers! We share five solid strategies to keep your wallet happy and your heart light. From visualizing a stress-free January to creating an intentional holiday spending plan, we got your back. By the end, you’ll have the tools to make sure that January is all about peace, not pressure. So, let’s say goodbye to those post-holiday blues and hello to a financially savvy new year!

Takeaways:

  • Holiday debt is a real struggle, with 36% of Americans getting into it this season.
  • The average holiday debt is pretty wild, sitting at $1,181, which is just nuts!
  • A big chunk of folks, 42%, regret overspending during the holidays, yikes, right?
  • Most people need several months to pay off holiday debt, so plan ahead to avoid that.
  • Visualizing a debt-free January can help you make better spending choices in December.
  • Creating an intentional holiday spending plan is key to enjoying the season without regret.

Links referenced in this episode:


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This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.

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