Have you planned out your holiday spending? As the holidays approach, excitement builds, but so can financial stress. For many Americans, the holidays bring more than just seasonal cheer—they bring debt. With nearly 28% of credit card users still paying off last year’s holiday expenses, now is the time to rethink how to enjoy the season without financial strain. This episode dives deep into strategies for a debt-free holiday, so you can focus on what truly matters. Key Points: Set a Holiday-Specific Budget: Create categories for travel, gifts, meals, and decorations to get a clear picture of what this season will cost.  Reallocate and Save Look for extra funds by canceling subscriptions you’re not using or negotiating utility costs. Shop Early and Smart: Beat the rush and avoid last-minute spending by shopping early.  Get Creative: Give Meaning, Not Expense: Rethink gift-giving by focusing on experiences or handmade items. Gifts from the heart, like homemade cookies or candles, can have far more value than high-cost purchases. Limit Temptation: Unsubscribe from retailer emails, turn off app notifications and avoid malls if you’re likely to overspend.  Happy Holidays, and remember: Financial peace is the best gift you can give yourself this season! The Candy Valentino Show Is Sponsored By:  Land Rover: Go to https://www.landroverusa.com/ The most desirable luxury SUVs Penguin Random House: Visit https://www.penguinrandomhouse.com/ ▶︎ WEBSITE | https://www.candyvalentino.com/ Pre-Order My New Book: The 9% Edge Founders:https://foundersorganization.com/  Learn more about your ad choices. Visit podcastchoices.com/adchoices