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!<a href="https://www.financiallyconfidentchristian.com/blog/breaking-cycle-holiday/" rel="noopener noreferrer" target="_blank">Read today's blog article</a><a href="https://youtu.be/HzbgAfs5Jvc" rel="noopener noreferrer" target="_blank">Check out the full podcast episode here</a>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:<ul><li> Holiday debt is a real struggle, with 36% of Americans getting into it this season. </li><li> The average holiday debt is pretty wild, sitting at $1,181, which is just nuts! </li><li> A big chunk of folks, 42%, regret overspending during the holidays, yikes, right? </li><li> Most people need several months to pay off holiday debt, so plan ahead to avoid that. </li><li> Visualizing a debt-free January can help you make better spending choices in December. </li><li> Creating an intentional holiday spending plan is key to enjoying the season without regret. </li></ul> Links referenced in this episode:<ul><li><a href="https://financiallyconfidentchristian.com" rel="noopener noreferrer" target="_blank">financiallyconfidentchristian.com</a></li></ul> <h3>💛 Join the Financially Confident Christian Community</h3>If today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.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.Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.👉 Learn more and join the mission at <a href="https://financiallyconfidentchristian.com/join" rel="noopener noreferrer" target="_blank">financiallyconfidentchristian.com/join</a>Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏<a href="https://www.financiallyconfidentchristian.com/" rel="noopener noreferrer" target="_blank">LISTEN NOW</a><a href="https://www.youtube.com/channel/UC1ZyJLydWUPqYaF2mS1l1Yg" rel="noopener noreferrer" target="_blank">WATCH NOW ON YOUTUBE</a> (OUR VIDEO VERSION)<a href="https://rumble.com/c/ASKRALPHPODCAST" rel="noopener noreferrer" target="_blank">WATCH NOW ON RUMBLE</a> (OUR VIDEO VERSION)Please share our Podcast with all your friends and family!Submit your questions or ideas for future shows - email us at&nbsp;<a href="mailto:ralph@askralph.com" rel="noopener noreferrer" target="_blank">ralph@askralph.com</a> or leave a voicemail message on our podcast page <a href="https://financiallyconfidentchristian.com/" rel="noopener noreferrer" target="_blank">Leave A Voicemail Message</a>&nbsp;

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