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cover of episode Mailbag: All of Your Holiday Shopping Questions, Answered!

Mailbag: All of Your Holiday Shopping Questions, Answered!

2024/11/25
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky

AI Deep Dive AI Chapters Transcript
People
J
Jen Smith
J
Jill Sirianni
Topics
Jill Sirianni认为应该转变消费观念,从关注“我能花多少钱”到“我能得到什么”,并优先考虑有价值的体验和礼物,而不是一味追求数量。她还建议根据个人特长和爱好选择礼物,例如自制食品或植物,这样更用心且更具个人特色。对于经济困难时期,她强调精神支持比物质帮助更重要,并建议坦诚沟通自身的经济状况,调整节日计划。 Jen Smith则建议回顾去年的支出,以此作为制定今年预算的参考。她认为礼物的意义比价格更重要,例如,一封真挚的信比随便买的礼物更有意义。她也提倡二手礼物或赠送自己用过的物品,只要符合收礼人的喜好。对于经济困难时期,她认为社区支持至关重要,并建议坦诚告知他人自己的经济状况,并调整节日计划。对于送同事礼物,她建议先了解公司政策,并考虑团队聚餐或写感谢信等方式。

Deep Dive

Chapters
The hosts discuss strategies for staying within a holiday budget, emphasizing the importance of shifting mindset from 'how much can I spend' to 'what can I get' and using last year's spending as a guide.
  • Shift mindset from 'how much can I spend' to 'what can I get'
  • Use last year's spending as a guide
  • Focus on meaningful gifts that are not tacky

Shownotes Transcript

Are you marking your calendars for Black Friday and Cyber Monday? So are we. It looks like shoppers are expected to spend more than ever this year — around $1,700 a person according to Deloitte). 

We thought it would be fun to bring our pals Jill Sirianni and Jen Smith, cohosts of the Frugal Friends) podcast, and the new book: Buy What You Love Without Going Broke: Transform Your Spending and Get More of What Money Can’t Buy) back on the show to answer all of your shopping questions. 

CHAPTERS:

00:00 Holiday Spending Trends and Impulse Control

06:14 Meaningful and Frugal Gift Ideas

10:12 Navigating Unexpected Costs and Community Support

16:02 Credit Card Use and Financial Boundaries

TAKEAWAYS:

  • Consider using last year's spending as a guide for this year's budget.

  • Community support is crucial during unexpected financial hardships.

  • Creative limitations can lead to better problem-solving and gift-giving.

  • Don't rely on credit cards for holiday spending if you can't pay it off quickly.

  • Thoughtful gifts can include experiences or personal items rather than material goods.

Learn more about our Finance Fixx program here). Use code PODCAST for a $100 discount. Interested in learning more about investing alongside hundreds of other women? Join us every other Monday night on Zoom at investingfixx.com).

Have a question for us? Write to us at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe)!

The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit* PlanEFE.com/HerMoney*).

Please contact* [email protected]*)* if you would like to advertise on our podcast, and to learn more about Airwave, head to** *)www.airwavemedia.com).

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