Are you tired of that post-holiday credit card regret? Yeah, me too! This week, we're diving into how to shop smarter this holiday season without breaking the bank. We’ve all been there, right? The excitement of gift-giving mixed with the fear of missing out can lead to some serious overspending. But don’t sweat it! We’re sharing some solid strategies to keep your spending in check, like making a list and comparing prices before you hit that checkout button. So grab your coffee, kick back, and let’s flip that holiday shopping script together—and finally answer the question, “How do I avoid holiday shopping traps?”<a href="https://www.financiallyconfidentchristian.com/blog/smart-holiday-shopping/" rel="noopener noreferrer" target="_blank">Read today's blog article</a><a href="https://youtu.be/dkcBM2QOiXU" rel="noopener noreferrer" target="_blank">Check out the full podcast episode here</a>Holiday shopping can feel like a rollercoaster ride, right? One moment you’re sipping hot cocoa, and the next, you’re knee-deep in credit card debt. Ralph kicks things off by sharing his annual struggle with overspending. You know the drill—promises made in November go out the window by January when the credit card bill hits. But fear not! Ralph dives into some killer tips on how to keep your finances in check without missing out on the holiday fun. First up, Ralph emphasizes the importance of making a list. It’s like Santa’s checklist but for your budget! If you don’t jot down who you're buying for and how much you’re spending, you’ll be that person buying random stuff just because it caught your eye on Instagram. And trust me, that leads to serious January regret. Next, we get into the nitty-gritty of comparison shopping. With all those ads popping up while you scroll, it’s easy to get sucked in. Ralph reminds us to check prices across different platforms. Sure, Amazon is a go-to, but don’t forget about Walmart, Target, and even Etsy! The last thing you want is to find out you paid top dollar for something that’s cheaper elsewhere. Ralph also brings up the old-school envelope method for budgeting. Sounds retro? Maybe. But when you physically see the money you’re spending, it hits differently. Plus, it can really help keep those impulse buys at bay. Finally, Ralph wraps up with a solid reminder: keep it peaceful this holiday season. God wants us to enjoy the joy of giving, not drown in the chaos of overspending. Wise planning is the name of the game, and with a little self-control and a good plan, we can all have a happy holiday without the stress. So, let’s make that list, check it twice, and dodge those holiday shopping pitfalls!Takeaways:<ul><li> Bargaining with yourself during holiday shopping can lead to serious credit card regret come January. </li><li> To avoid overspending, always make a list of gifts and stick to your budget for each person. </li><li> Social media ads are designed to make you spend money, so always compare prices before buying. </li><li> Using cash envelopes can help you manage your budget more effectively during the holidays. </li><li> Avoid traps like Black Friday sales that push you into impulse buying without considering your needs. </li><li> Plan ahead and ask yourself if an item is on your list before making a purchase to avoid regret. </li></ul> Links referenced in this episode:<ul><li><a href="https://amazon.com" rel="noopener noreferrer" target="_blank">amazon.com</a></li><li><a href="https://walmart.com" rel="noopener noreferrer" target="_blank">walmart.com</a></li><li><a href="https://target.com" rel="noopener noreferrer" target="_blank">target.com</a></li><li><a href="https://temu.com" rel="noopener noreferrer" target="_blank">temu.com</a></li><li><a href="https://etsy.com" rel="noopener noreferrer" target="_blank">etsy.com</a></li></ul> Companies mentioned in this episode:<ul><li> Amazon </li><li> Walmart </li><li> Target </li><li> temu </li><li> Etsy </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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