Oyin Adedoyin
speaker
1,572 appearances
36 recordings
1 series
first heard Mar 2023
last heard Feb 2025
Oyin Adedoyin’s voice in public audio — every appearance, attributed to the second.
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Appearances
This means that everything from holding credit card debt, getting an auto loan, and buying a house is even more expensive than usual.
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Not to mention, with the resumption of student loan payments, people are really starting to feel stretched thin.
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Simultaneously, you can get as high as 5% yields on high-yield savings accounts, certificates of deposits, and bonds.
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So it's even more lucrative to save right now than spend.
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For that reason, any dollar spent today is a lost opportunity to earn as much as 5% on those savings accounts.
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Holiday spending is really expected to ramp up this season again to grow to about $966.6 billion this year.
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That's upwards of 3% more spending than last year.
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And that brings us back to what we were seeing around pre-pandemic levels during the holidays.
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The biggest thing I heard is don't wait until New Year's.
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A University of Penn professor studies the idea of fresh starts, and she told me that starting something at the beginning of anything can help people maintain goals.
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So think about the first of the month or a birthday or a new season.
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Another thing to consider is before you even start your Christmas shopping, give yourself an audit.
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That means taking into account maybe the past few years of holiday spending, not just including gifts, but also travel, any dinners that you went out to during the holidays, any plans with friends, really adding all of that stuff up to get a better idea of how much you usually spend during the holidays and where you can cut.
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Matt Bazell, who owns a financial advising firm in Wisconsin, said, despite the access to technology that we have today, he prefers actually getting out a pen and paper and writing out each of those expenses by hand.
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There's something about that connection that makes it stick better in your brain.
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And it doesn't have to be painful.
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You can look at your finances and see that you spent maybe $2,000 to go on a vacation, and it was actually a really great experience.
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That way you can figure out, how can I make this experience happen again without breaking the bank?
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Professors told me to do all of your holiday shopping at once.
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It's kind of a brain hack to prevent overspending.
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Showing 901–920 of 1,572 · page 46 of 79
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