Ditch Holiday Debt Fast & Kickstart Your 2025 Financial Goals With Budget Besties

Everyone's Talkin' Money

Shari Rash

Business, Self-improvement, Education

4.6 • 631 Ratings

🗓️ 24 December 2024

⏱️ 40 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Let me guess—your holiday spending got a little out of control again this year? You're not alone, friend. The holidays have a way of making us swipe, click, and overspend like there’s no tomorrow. Then January hits, and you’re left wondering what just happened to your bank account. Sound familiar? Today, I’m hanging out with the Budget Besties, Shana and Vanessa, to unpack the emotional baggage behind holiday overspending and share the ultimate game plan to bounce back stronger than ever. We’re diving into: The real reasons we overspend during the holidays (and how to stop the cycle). How to create a Christmas savings plan that actually works (no Scrooge vibes here). Tips to automate your finances so next year feels effortless. The art of being 'bougie on a budget' and loving it. This episode is your step-by-step guide to ditching holiday money regret and stepping into the new year with a fresh, fearless outlook on your finances. Let’s unravel the money mess and start building unapologetic wealth, one fearless move at a time. LINKS Simplified Budget System Budget Bestie website CONNECT WITH SHANNAH Follow me on Instagram Courses + Workshops + Money Coaching Information SPONSORS Thanks to Jenny Kayne for sponsoring the show. Get 15% off by going to http://www.jennykayne.com/etm15. Thanks to Money Picked for sponsoring the show. To schedule a FREE meeting to figure out your next financial steps, go to http://www.moneypickle.com/etm. Thanks to Wildgrain for sponsoring the show. Wildgrain is offering our listeners $30 off the first box - PLUS free Croissants in every box - when you go to http://www.wildgrain.com/etm to start your subscription. Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM . Thanks to OneSkin for sponsoring the show. Get 15% off OneSkin with the code ETM at https://www.oneskin.co/ Thanks to Quince for sponsoring the show. Go to http://www.quince.com/etm for free shipping on your order and 365-day returns. Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com. Thanks to Monarch for sponsoring the show. After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM. Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Hey, it's Shawna and welcome to everyone's talking money.
0:12.3	Let me guess. Your holiday spending got a little, little wonky again, and you're thinking
0:19.0	about doing the walk of shame. Well, you are not alone, my friend.
0:23.1	The holidays have this sneaky way of making us swipe, click, and overspend like there is no tomorrow,
0:29.3	only to wake up in January wondering, okay, what the heck happened to my bank account?
0:34.8	Well, today I'm hanging with the budget besties, Shana and Vanessa, and we are
0:39.7	cutting through the holiday noise to talk about the real reasons we overspend, yeah, all that
0:44.4	emotional baggage behind it, and how to stop this madness. We're going to dish about the must-no
0:50.3	tips to help you bounce back from holiday spending overload, from setting up a
0:54.6	Christmas saving plan that works to automating your finances and mastering the art of being
0:59.2	something they call bougie on a budget. This episode is your guide to ditch in the regret and
1:05.0	stepping into the new year with a fresh, fearless outlook on money. Let's start talking.
1:15.9	All right, so deep breath. We have survived the holidays. And we have just a few more days left in 2024. It is really hard to believe.
1:23.9	This is the time of the year when you do not want to look at your credit card standards. You don't even
1:28.9	want to think about how much money you spent on the holidays. But you both are here as the budget
1:35.3	besties to remind us why now actually is the best time, why we should take the blindfold off,
1:42.2	look at our money, deal with some of these things. So how in the world
1:46.3	do we approach our holiday shopping debt, which most of us have, when really it's the last thing
1:53.7	we want to do? Well, you know, it's interesting. We have a lot of people who come to us naturally
1:58.5	at the end of the year, beginning of the new year,
2:00.9	going, okay, what did I just do? What just happened? And how can I, how can I fix it? But,
2:06.0	you know, we always like to say, just get your head out of the sand. Like, the only way to face it
	...

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