Finance Fridays 2. The Holiday Money Hangover: Guilt, and The Psychology Behind Overspending

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The holidays are supposed to feel joyful — but for many first-gen and Dominican households, December comes with hidden pressure: giving big, showing up, carrying tradition, and recreating warmth… even when your bank account and nervous system are exhausted.

This episode explores the emotional cost of the holidays — the guilt after overspending and why January always feels tight even when your income hasn’t changed.

SEGMENT 1 — Why We Overspend in December

Holiday spending is emotional, cultural, and deeply learned. Giving becomes a way to recreate emotional abundance and belonging — not a lack of discipline.

Journal Prompt:
What was I trying to recreate emotionally this holiday season?

Affirmation:
My generosity comes from love, not lack.

SEGMENT 2 — The Shame After Spending

Guilt shows up when the excitement fades. January feels heavy because the nervous system is coming down from months of stimulation and pressure.

Journal Prompt:
What part of me feels guilty after spending — and what does it need?

Affirmation:
I release guilt and make room for clarity.

SEGMENT 3 — Why January Always Feels Scarce

January activates survival mode, urgency, and fear — even if your income stayed the same.

Journal Prompt:
What stories does my body tell me in January that my bank account doesn’t?

Affirmation:
My body is recalibrating, not failing.

SEGMENT 4 — A Different Reset: Rebuilding Financial Trust

This reset focuses on repairing self-trust instead of punishment. Gentle recommitment creates lasting stability.

Journal Prompt:
What would help me trust myself with money again?

Affirmation:
I rebuild financial trust with gentleness.

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