Ashley Patrick
speaker
3,699 appearances
14 recordings
1 series
first heard Feb 2025
last heard 3 Dec
Ashley Patrick’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 3 in all, peaking in Dec 2025 with 1.
Appearances
So I want you to avoid the credit cards.
Of course, it's high interest, but even the buy now pay later.
I really don't want you to use that as an excuse to purchase things that you couldn't otherwise afford, right?
Because it's still adding to your debt, even if it's 0% interest, and you're still going to be dragging it into the new year with you.
And $20, $10, it adds up quickly.
quickly.
So even if it's like, Oh, it's only 10 bucks a month for six months, like if you can't pay $60 for something, then you don't need it.
Right.
And so that's a way to kind of shift that mindset of, okay, if I really can't afford it, then I don't need to be making payments on it for the next year.
or next six months, because that's time that you need to be saving for the next Christmas, right?
And you just end up in this rabbit hole that just never ends.
Okay, so you've decided what is important to you, created a budget that aligns with what is important to you, set realistic amounts that you can actually afford, and be able to stick to the budget, create new traditions, new experiences,
things that are cheaper without all the shame and guilt.
You are allowed to make the season easier on yourself.
Like you don't have to do it all.
You don't need to say yes to everything.
You don't owe anyone a quote unquote perfect Christmas.
Like nothing is perfect.
We are humans and
It's all about the experience and the time.
Showing 241–260 of 3,699 · page 13 of 185
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