December 12, 2024 • 16 mins
In this episode of the Accelerate Your Legacy podcast, financial coach and money mindset specialist Laura Sexton discusses practical strategies to avoid overspending during the holiday season. Laura addresses common reasons for overspending, such as marketing influences and emotional triggers, and provides actionable tips for setting spending limits, planning ahead, and getting creative with gifts. She also emphasizes the importance of financial communication with friends and family and suggests prioritizing meaningful experiences over material possessions.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Laura (00:02):
Hello and welcome to the Accelerate Your Legacy podcast.
I'm Laura Sexton, your trustedfinancial coach and money
mindset specialist.
Join me as we explore the worldof money and money mindset while
also paving the way for alasting legacy that extends far
beyond money.
Together we'll eliminate stress,amplify freedom, and ensure you
(00:26):
stop paying for your past so youcan start saving for your
future.
If you're seeking peace in yourfinances, more margin in your
budget, and a legacy thatinspires generations to come,
you're in the right place.
Hey, accelerators.
I'm so happy to be back with youthis week on this accelerate
(00:49):
your legacy podcast.
Now, friends, the name of thepodcast is going to change and
it's going to change Because,Accelerate is kind of hard to
spell, but just to be completelyhonest I want to make sure that
this is something that you canshare with your friends,
something that you are gettingnot only practical advice on,
(01:09):
but also able to spend a littlebit of your time.
And I want you to have a littlepiece in this.
So if you'll jump over to myInstagram, I have a poll running
on what we're going to renamethis podcast.
I want you to be a part of it.
I want you to have some say inwhat we're doing.
I always want to know what kindsof tips and tricks you were
looking for.
I always want to know what kindof information you would like to
(01:30):
learn.
This is your podcast.
And anytime somebody is like, Ineed help with this thing.
Like a couple of weeks ago whenwe had how to save money on
groceries, that was you guysasking about that.
And this week we're doing how toavoid overspending on Christmas
gifts.
You guys asked about that.
I did do a series on Instagramand if you didn't check it out,
(01:51):
that's okay.
We're going to talk about someof those things today.
So my accelerators, I hope youwere having a lovely holiday
season, but I know that there ispressure around holiday gift
giving.
I know that there's excitementaround holiday gift giving.
It can just be a very confusingtime of year.
So, maybe you know this, maybeyou don't, but this year,
(02:15):
Americans are projected to spend1.
3 trillion, that's with a T,trillion dollars on holiday
spending.
They're going to spend 1.
3 trillion dollars! Wow.
The craziest part about that isthat the average American spends
over 900 on Christmas, and yetthey don't have a thousand
(02:38):
dollars set aside for anemergency.
They couldn't cover a thousanddollar emergency if they wanted
to, but they have 900 to spendon Christmas.
I personally am a horrible giftgiver.
This is not my spiritual giftingand it's not the thing that I am
best at.
My husband is a wonderful giftgiver, but here's the problem.
He's also the spender in ourrelationship.
(02:59):
When those powers combine, wecan have a bit of a mess on our
hands.
So I wanted to talk to you justabout some practical ways to
avoid overspending while stillcreating meaningful memories
this holiday season becausefamily and Jesus, that's what
it's all about, right?
It's not about the gifts, butlet's talk about why we
(03:22):
overspend.
During the holidays.
There are many reasons why wewill overspend and one of them
is the marketing tactics.
Friends, we had the craziestBlack Friday I have seen in a
very long time.
I don't know if there are morefights happening over the giant
(03:44):
TVs at Walmart or if it's justbecause we have more phones
readily available.
But oh mylanta, Why are we stilldoing this?
Why is this a thing that we arestill doing?
I thought we had evolved as asociety.
Apparently we have not.
The holiday sales are crazy.
There was an outlet mall near mewhere somebody spent an hour
looking for a parking spotbecause it was just full on
(04:06):
blowout, absolutely crazyholiday sale for Black Friday.
There will be more sales coming.
It just is what it is.
So keep on the lookout for that.
Know that you are being marketedto.
They're trying to find the waythat's going to get you to make
the purchase.
Knowing that kind of makes itfeel a little icky and maybe we
(04:26):
can step aside and be like, Oh,you know what?
I don't think so.
Really want to be marketed toyou.
I'm not going to buy that thingjust because I see the ad.
Another thing to be afraid of isbuy now, pay later offers.
They always say it's an easypayment.
They're never honest.
They never say, well, it's ahard payment because sure.
You put that one shirt.
(04:48):
on Easy Payments and they'rewhat, 3 each?
But when you do that 12 timesand your Easy Payments are 36 a
month and then you do that 3, 6,9 times and you are looking at a
world of hurt.
(05:08):
And if you go over those fourEasy Payments they're able to
tack on Exorbitant fees andfines.
Another reason we overspendduring the holidays is just
social media influence.
If you are on social media, youare being marketed to.
There are going to be ads andsponsored posts inside your
(05:29):
feed.
Every time you scroll everyfourth.
And it feels these days likeit's every third one, every
second one, every other one.
They're everywhere.
People are trying to get you tobuy their products and look, I
want you to spend your moneywith me too.
I would love to work with you.
I'd love to do some one on onecoaching and get you to a place
where not only are you not,overspending during the
(05:51):
holidays, but you're notoverspending ever again.
Another really big overspendingissue during the holidays is our
emotional triggers.
Now let's be honest, I put apost up this month that said
you're buying them gifts, nottheir love.
You don't need to let guiltprompt you to buy something.
(06:12):
Your generosity should only goso far.
Yes.
I love a generous person and Ilove generous giving.
I think it's something that weshould all strive towards, but
if your generosity is puttingyour own home at risk, you are
doing the wrong thing.
Be generous when you have themoney for it.
(06:34):
Keeping up with socialexpectations.
That's another trigger that wehave.
Let's slow down society aroundus may have an expectation.
That's all well and good.
My expectation for you is thatyou do what you value and what
matters most for you and yourfamily There is a hidden cost of
overspending and that hiddencost it's financial stress.
(06:57):
It's long term impact on yourfinancial goals.
It's not sleeping at night Youdon't need that.
I have a client that is sostressed out about their
finances right now that they arelosing their hair.
If that is something that scaresyou, please don't do it.
Like, we don't need to bestressed financially because we
got excited about Christmas.
And most people are paying forChristmas well into March,
(07:20):
April, and May.
If you were still paying forChristmas in spring, guys, we
have to do something new.
The good news is that you cancreate a memorable holiday
without emptying your wallet.
So let's dive into that.
Here are some practicalstrategies to curb your holiday
overspending.
First one, you know what it isif you spent any time with me at
(07:42):
all.
Set a spending limit.
That's right.
I'm giving you permission tospend your money on the
holidays, as long as you set alimit.
Determine what your holidaybudget is overall, before you go
shopping.
Allocate a certain amount foreach person on your list.
If you make a plan ahead oftime, that's the second
practical step plan ahead, makea gift list and stick to it.
(08:04):
That is going to help you.
You make the list, you allocatethe amount for each person and
you determine what you're goingto spend your money on before
you go shopping.
We have gone past shoppingearly.
At this point, because we aregetting closer and closer to
Christmas.
That's okay.
(08:25):
But remember just because yousee it doesn't mean you need to
purchase it.
We have planned ahead.
We know what we are going tobuy.
So just go ahead and avoid thoselast minute impulse purchases
because that's not on the list.
You are Santa.
You have made a list, check ittwice, but don't add to it.
The third practical strategy isto get creative with your gifts.
(08:48):
DIY or personalized presents areabsolutely fabulous.
Offering experiences or acts ofservice instead of a physical
item can actually go a reallylong way.
I know for me, if somebodywanted to sit down and go, Hey
I'm not buying you a gift thisyear, but when your baby comes,
I am going to come over andclean your house.
(09:11):
Or I'm going to bring you ameal.
I would take that coupon ahundred times over.
And what's really cool is ourGirl Scouts did something
similar to this.
We have Daisy Girl Scouts,kindergarten and first grade,
and they wrote down somethingthey were willing to do around
the house as part of theirfriendly and helpful pedal.
If they earned, they came upwith some really creative
(09:32):
things.
So my kids put laundry anddishes because that's their two
chores, but some of them came upwith some creative things that
they could do around the house.
Let your kids.
Do this for you.
Let them come up with an activeservice.
They can do around the housebecause that's so much better
than something they can purchaseat a store.
(09:54):
Fourth practical strategy tohelp you curb your holiday
overspending is to pay attentionto cash back apps, coupons, and
holiday discounts.
As long as you do itintentionally.
These are great ways to save.
Now, cashback apps could bethings like Rakuten.
There, I mean, I can't evenbegin to list all of them that
(10:15):
there are.
They're great to a point.
Most of the time, you are notactually going to get a lot of
cash back.
And I don't want you doing, Oh,well, I get cash back on my
credit cards.
Nope, nope, nope, absolutelynot.
But these secondary apps that dogive you cash back or points for
taking a picture of yourreceipt.
(10:37):
There's nothing wrong with that.
Coupons and holiday discounts,as long as you use them
intentionally, will help yousave money.
Also, my friends, take advantageof second hand sales.
Take advantage of small businessdeals.
Small businesses could reallyuse your help right now.
This is kind of make or breakfor a lot of them.
So focus in on those as opposedto big box stores and take
(10:57):
advantage of any second hand useitems that you can.
I used to be very anti this andit's because I grew up Not
having a lot of money.
And so secondhand was anecessity sometimes, but now I
love it.
And I think it's so smart, sofrugal.
There's so many things that wejust throw out as a society and
(11:18):
we don't put a lot of love andcare into.
And so I love being able to usethem secondhand.
I love repurposing things.
And I think it's so great to notjust throw things away, but to
reuse them.
Or give them to somebody elsethat could use them that may be
where we were not too long ago.
(11:39):
Practical strategy to curb yourholiday overspending.
Number five is just tocommunicate with your friends
and family.
Look, you can have purposefulgift exchange.
I know last week we talked aboutSecret Santa, things like that.
That's great.
Set spending limits with yourgroup, set spending limits with
your friends.
Propose doing a gift exchange asopposed to buying a gift for
(12:01):
every single person.
So secret Santa, gift exchange,everything with a spending
limit.
That is a great way to do it.
And most people are going to bereally thankful that you
suggested it because they werethinking it and they just
weren't brave enough.
So go ahead and suggest thatsay, Hey guys, this is what I
think I need to do for me thisyear.
Is that okay with all of you?
(12:22):
And you'll be surprised how manypeople are like, yes,
absolutely.
I'm so glad you said something.
And again, focused on sharedexperiences rather than material
things.
It's not just about spendingless though.
It's about giving with intentionand with meaning.
So here's how quickly.
How to handle the pressure tooverspend.
(12:43):
You got to set boundaries withyourself and with others.
Tell your friends, Hey, I'm notgoing to be spending a whole
bunch of money on Christmasgifts this year.
They're going to be thankfulthat you said that because
they're going to be given thefreedom to also not spend a
whole lot of money.
Reframe the focus of yourholiday.
Prioritize connection with thepeople around you over
(13:05):
consumption of goods andconsumption of food for that
matter.
Because your worth isn'tmeasured by the price tag of
your gifts.
You were buying gifts, you werenot buying love.
You were buying gifts, you werenot buying affection.
You were buying gifts, you werenot trying to win somebody over.
It's never, a present's nevergoing to win somebody over.
(13:28):
You are worth so much more thanhow much you spend on a
Christmas gift.
If you feel like you werepressured into overspending, you
And you need somebody to blamefor not going above and beyond,
go ahead and blame it on me.
Say, look, I talked to myfinancial coach and she said I
(13:48):
can't spend that much money thisyear.
Blame me.
I will take it.
Give them my phone number.
I will happily take it for you.
You don't have to do this alone.
Friends, when it comes to money,you are never by yourself.
I am always, always with you.
So while you're feeling thepressure to overspend, remember
that there are practical thingsthat you can do to not setting
(14:09):
the limit, planning ahead,getting creative, leveraging
savings and communicating.
Just go ahead and communicatewith your friends and family.
Feel free to embrace a morethoughtful budget friendly
approach to this season.
The greatest gift that you cangive your loved one is your
presence, not your presence.
They want you to be around themmore than they want your stuff.
(14:32):
Accelerators, it would be myhonor if you would subscribe to
this podcast, if you would shareit with a friend if you would
take a minute to give me a fivestar review.
But also feel free to check outany of my additional resources.
I mentioned having my Christmasin July budget tracker.
I also have a lot of other freeresources at my website that I
(14:54):
would love for you to download.
And again, if you are strugglingwith your money, check out my
money mastery program.
I would love to have you as apart of that.
Moving into the new year 2025,this is the time to take control
of your money and embrace thelife that you have.
That you want I'm also doingcareer coaching.
So if you're like, I kind ofwant to change jobs before I get
(15:15):
to work with you.
No, no, no.
Let's do that too.
We will get your income up, yourdebt down, and your legacy
started.
All right, accelerators.
That is it for this week.
Go out and make a difference.
For questions or encouragement,reach out to me on Instagram at
Accelerate Your Legacy orexplore the resources listed in
(15:37):
the show notes.
I will be back with you nextweek.
Until then, build your legacywith intention.
Thank you for investing yourtime with us today on the
Accelerate Your Legacy podcast.
Remember, your legacy isn't justmeasured in dollars and cents,
but in the tools, habits,mindset, and reputation you
(16:00):
leave behind.
Don't just listen to the show,but take action on what you've
learned.
Share this wisdom with a friendwho can benefit and help us
spread the word by rating andreviewing the podcast.
For questions or encouragement,reach out to me on Instagram at
Accelerate Your Legacy orexplore the resources listed in
the show notes.
(16:20):
I will be back with you nextweek.
Until then, build your legacywith intention.
Hello and welcome to the Accelerate Your Legacy podcast.
I'm Laura Sexton, your trustedfinancial coach and money
mindset specialist.
Join me as we explore the worldof money and money mindset while
also paving the way for alasting legacy that extends far
beyond money.
Together we'll eliminate stress,amplify freedom, and ensure you
(00:26):
stop paying for your past so youcan start saving for your
future.
If you're seeking peace in yourfinances, more margin in your
budget, and a legacy thatinspires generations to come,
you're in the right place.
Hey, accelerators.
I'm so happy to be back with youthis week on this accelerate
(00:49):
your legacy podcast.
Now, friends, the name of thepodcast is going to change and
it's going to change Because,Accelerate is kind of hard to
spell, but just to be completelyhonest I want to make sure that
this is something that you canshare with your friends,
something that you are gettingnot only practical advice on,
(01:09):
but also able to spend a littlebit of your time.
And I want you to have a littlepiece in this.
So if you'll jump over to myInstagram, I have a poll running
on what we're going to renamethis podcast.
I want you to be a part of it.
I want you to have some say inwhat we're doing.
I always want to know what kindsof tips and tricks you were
looking for.
I always want to know what kindof information you would like to
(01:30):
learn.
This is your podcast.
And anytime somebody is like, Ineed help with this thing.
Like a couple of weeks ago whenwe had how to save money on
groceries, that was you guysasking about that.
And this week we're doing how toavoid overspending on Christmas
gifts.
You guys asked about that.
I did do a series on Instagramand if you didn't check it out,
(01:51):
that's okay.
We're going to talk about someof those things today.
So my accelerators, I hope youwere having a lovely holiday
season, but I know that there ispressure around holiday gift
giving.
I know that there's excitementaround holiday gift giving.
It can just be a very confusingtime of year.
So, maybe you know this, maybeyou don't, but this year,
(02:15):
Americans are projected to spend1.
3 trillion, that's with a T,trillion dollars on holiday
spending.
They're going to spend 1.
3 trillion dollars! Wow.
The craziest part about that isthat the average American spends
over 900 on Christmas, and yetthey don't have a thousand
(02:38):
dollars set aside for anemergency.
They couldn't cover a thousanddollar emergency if they wanted
to, but they have 900 to spendon Christmas.
I personally am a horrible giftgiver.
This is not my spiritual giftingand it's not the thing that I am
best at.
My husband is a wonderful giftgiver, but here's the problem.
He's also the spender in ourrelationship.
(02:59):
When those powers combine, wecan have a bit of a mess on our
hands.
So I wanted to talk to you justabout some practical ways to
avoid overspending while stillcreating meaningful memories
this holiday season becausefamily and Jesus, that's what
it's all about, right?
It's not about the gifts, butlet's talk about why we
(03:22):
overspend.
During the holidays.
There are many reasons why wewill overspend and one of them
is the marketing tactics.
Friends, we had the craziestBlack Friday I have seen in a
very long time.
I don't know if there are morefights happening over the giant
(03:44):
TVs at Walmart or if it's justbecause we have more phones
readily available.
But oh mylanta, Why are we stilldoing this?
Why is this a thing that we arestill doing?
I thought we had evolved as asociety.
Apparently we have not.
The holiday sales are crazy.
There was an outlet mall near mewhere somebody spent an hour
looking for a parking spotbecause it was just full on
(04:06):
blowout, absolutely crazyholiday sale for Black Friday.
There will be more sales coming.
It just is what it is.
So keep on the lookout for that.
Know that you are being marketedto.
They're trying to find the waythat's going to get you to make
the purchase.
Knowing that kind of makes itfeel a little icky and maybe we
(04:26):
can step aside and be like, Oh,you know what?
I don't think so.
Really want to be marketed toyou.
I'm not going to buy that thingjust because I see the ad.
Another thing to be afraid of isbuy now, pay later offers.
They always say it's an easypayment.
They're never honest.
They never say, well, it's ahard payment because sure.
You put that one shirt.
(04:48):
on Easy Payments and they'rewhat, 3 each?
But when you do that 12 timesand your Easy Payments are 36 a
month and then you do that 3, 6,9 times and you are looking at a
world of hurt.
(05:08):
And if you go over those fourEasy Payments they're able to
tack on Exorbitant fees andfines.
Another reason we overspendduring the holidays is just
social media influence.
If you are on social media, youare being marketed to.
There are going to be ads andsponsored posts inside your
(05:29):
feed.
Every time you scroll everyfourth.
And it feels these days likeit's every third one, every
second one, every other one.
They're everywhere.
People are trying to get you tobuy their products and look, I
want you to spend your moneywith me too.
I would love to work with you.
I'd love to do some one on onecoaching and get you to a place
where not only are you not,overspending during the
(05:51):
holidays, but you're notoverspending ever again.
Another really big overspendingissue during the holidays is our
emotional triggers.
Now let's be honest, I put apost up this month that said
you're buying them gifts, nottheir love.
You don't need to let guiltprompt you to buy something.
(06:12):
Your generosity should only goso far.
Yes.
I love a generous person and Ilove generous giving.
I think it's something that weshould all strive towards, but
if your generosity is puttingyour own home at risk, you are
doing the wrong thing.
Be generous when you have themoney for it.
(06:34):
Keeping up with socialexpectations.
That's another trigger that wehave.
Let's slow down society aroundus may have an expectation.
That's all well and good.
My expectation for you is thatyou do what you value and what
matters most for you and yourfamily There is a hidden cost of
overspending and that hiddencost it's financial stress.
(06:57):
It's long term impact on yourfinancial goals.
It's not sleeping at night Youdon't need that.
I have a client that is sostressed out about their
finances right now that they arelosing their hair.
If that is something that scaresyou, please don't do it.
Like, we don't need to bestressed financially because we
got excited about Christmas.
And most people are paying forChristmas well into March,
(07:20):
April, and May.
If you were still paying forChristmas in spring, guys, we
have to do something new.
The good news is that you cancreate a memorable holiday
without emptying your wallet.
So let's dive into that.
Here are some practicalstrategies to curb your holiday
overspending.
First one, you know what it isif you spent any time with me at
(07:42):
all.
Set a spending limit.
That's right.
I'm giving you permission tospend your money on the
holidays, as long as you set alimit.
Determine what your holidaybudget is overall, before you go
shopping.
Allocate a certain amount foreach person on your list.
If you make a plan ahead oftime, that's the second
practical step plan ahead, makea gift list and stick to it.
(08:04):
That is going to help you.
You make the list, you allocatethe amount for each person and
you determine what you're goingto spend your money on before
you go shopping.
We have gone past shoppingearly.
At this point, because we aregetting closer and closer to
Christmas.
That's okay.
(08:25):
But remember just because yousee it doesn't mean you need to
purchase it.
We have planned ahead.
We know what we are going tobuy.
So just go ahead and avoid thoselast minute impulse purchases
because that's not on the list.
You are Santa.
You have made a list, check ittwice, but don't add to it.
The third practical strategy isto get creative with your gifts.
(08:48):
DIY or personalized presents areabsolutely fabulous.
Offering experiences or acts ofservice instead of a physical
item can actually go a reallylong way.
I know for me, if somebodywanted to sit down and go, Hey
I'm not buying you a gift thisyear, but when your baby comes,
I am going to come over andclean your house.
(09:11):
Or I'm going to bring you ameal.
I would take that coupon ahundred times over.
And what's really cool is ourGirl Scouts did something
similar to this.
We have Daisy Girl Scouts,kindergarten and first grade,
and they wrote down somethingthey were willing to do around
the house as part of theirfriendly and helpful pedal.
If they earned, they came upwith some really creative
(09:32):
things.
So my kids put laundry anddishes because that's their two
chores, but some of them came upwith some creative things that
they could do around the house.
Let your kids.
Do this for you.
Let them come up with an activeservice.
They can do around the housebecause that's so much better
than something they can purchaseat a store.
(09:54):
Fourth practical strategy tohelp you curb your holiday
overspending is to pay attentionto cash back apps, coupons, and
holiday discounts.
As long as you do itintentionally.
These are great ways to save.
Now, cashback apps could bethings like Rakuten.
There, I mean, I can't evenbegin to list all of them that
(10:15):
there are.
They're great to a point.
Most of the time, you are notactually going to get a lot of
cash back.
And I don't want you doing, Oh,well, I get cash back on my
credit cards.
Nope, nope, nope, absolutelynot.
But these secondary apps that dogive you cash back or points for
taking a picture of yourreceipt.
(10:37):
There's nothing wrong with that.
Coupons and holiday discounts,as long as you use them
intentionally, will help yousave money.
Also, my friends, take advantageof second hand sales.
Take advantage of small businessdeals.
Small businesses could reallyuse your help right now.
This is kind of make or breakfor a lot of them.
So focus in on those as opposedto big box stores and take
(10:57):
advantage of any second hand useitems that you can.
I used to be very anti this andit's because I grew up Not
having a lot of money.
And so secondhand was anecessity sometimes, but now I
love it.
And I think it's so smart, sofrugal.
There's so many things that wejust throw out as a society and
(11:18):
we don't put a lot of love andcare into.
And so I love being able to usethem secondhand.
I love repurposing things.
And I think it's so great to notjust throw things away, but to
reuse them.
Or give them to somebody elsethat could use them that may be
where we were not too long ago.
(11:39):
Practical strategy to curb yourholiday overspending.
Number five is just tocommunicate with your friends
and family.
Look, you can have purposefulgift exchange.
I know last week we talked aboutSecret Santa, things like that.
That's great.
Set spending limits with yourgroup, set spending limits with
your friends.
Propose doing a gift exchange asopposed to buying a gift for
(12:01):
every single person.
So secret Santa, gift exchange,everything with a spending
limit.
That is a great way to do it.
And most people are going to bereally thankful that you
suggested it because they werethinking it and they just
weren't brave enough.
So go ahead and suggest thatsay, Hey guys, this is what I
think I need to do for me thisyear.
Is that okay with all of you?
(12:22):
And you'll be surprised how manypeople are like, yes,
absolutely.
I'm so glad you said something.
And again, focused on sharedexperiences rather than material
things.
It's not just about spendingless though.
It's about giving with intentionand with meaning.
So here's how quickly.
How to handle the pressure tooverspend.
(12:43):
You got to set boundaries withyourself and with others.
Tell your friends, Hey, I'm notgoing to be spending a whole
bunch of money on Christmasgifts this year.
They're going to be thankfulthat you said that because
they're going to be given thefreedom to also not spend a
whole lot of money.
Reframe the focus of yourholiday.
Prioritize connection with thepeople around you over
(13:05):
consumption of goods andconsumption of food for that
matter.
Because your worth isn'tmeasured by the price tag of
your gifts.
You were buying gifts, you werenot buying love.
You were buying gifts, you werenot buying affection.
You were buying gifts, you werenot trying to win somebody over.
It's never, a present's nevergoing to win somebody over.
(13:28):
You are worth so much more thanhow much you spend on a
Christmas gift.
If you feel like you werepressured into overspending, you
And you need somebody to blamefor not going above and beyond,
go ahead and blame it on me.
Say, look, I talked to myfinancial coach and she said I
(13:48):
can't spend that much money thisyear.
Blame me.
I will take it.
Give them my phone number.
I will happily take it for you.
You don't have to do this alone.
Friends, when it comes to money,you are never by yourself.
I am always, always with you.
So while you're feeling thepressure to overspend, remember
that there are practical thingsthat you can do to not setting
(14:09):
the limit, planning ahead,getting creative, leveraging
savings and communicating.
Just go ahead and communicatewith your friends and family.
Feel free to embrace a morethoughtful budget friendly
approach to this season.
The greatest gift that you cangive your loved one is your
presence, not your presence.
They want you to be around themmore than they want your stuff.
(14:32):
Accelerators, it would be myhonor if you would subscribe to
this podcast, if you would shareit with a friend if you would
take a minute to give me a fivestar review.
But also feel free to check outany of my additional resources.
I mentioned having my Christmasin July budget tracker.
I also have a lot of other freeresources at my website that I
(14:54):
would love for you to download.
And again, if you are strugglingwith your money, check out my
money mastery program.
I would love to have you as apart of that.
Moving into the new year 2025,this is the time to take control
of your money and embrace thelife that you have.
That you want I'm also doingcareer coaching.
So if you're like, I kind ofwant to change jobs before I get
(15:15):
to work with you.
No, no, no.
Let's do that too.
We will get your income up, yourdebt down, and your legacy
started.
All right, accelerators.
That is it for this week.
Go out and make a difference.
For questions or encouragement,reach out to me on Instagram at
Accelerate Your Legacy orexplore the resources listed in
(15:37):
the show notes.
I will be back with you nextweek.
Until then, build your legacywith intention.
Thank you for investing yourtime with us today on the
Accelerate Your Legacy podcast.
Remember, your legacy isn't justmeasured in dollars and cents,
but in the tools, habits,mindset, and reputation you
(16:00):
leave behind.
Don't just listen to the show,but take action on what you've
learned.
Share this wisdom with a friendwho can benefit and help us
spread the word by rating andreviewing the podcast.
For questions or encouragement,reach out to me on Instagram at
Accelerate Your Legacy orexplore the resources listed in
the show notes.
(16:20):
I will be back with you nextweek.
Until then, build your legacywith intention.
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