#holidayspending

[farademetre]

Holiday SPENDING STRATEGIES That Will Save Your Bank Account!

We explore key strategies for saving money during the holiday season, as consumer spending is expected to hit $989 billion. This includes practical tips for managing holiday expenses while tackling concerns like inflation, debt, and smart gift-giving. From budgeting advice to creative gift alternatives, we offer guidance to help maintain financial well-being throughout the holidays.

[monriatitans]

The image was made in Canva; check it out at the [referral] link here!

How the "Hundred-Dollar Holiday" changed my perspective on gift-giving.

Saturday, October 19, 2024 How the “Hundred-Dollar Holiday” changed my perspective on gift-giving. Where I Learned ABOUT the “Hundred-Dollar Holiday” “Refreshing in its honesty and reliable in its guidance . . . a charming, inspirational…

[omanxl1]

Borderline / On The Edge Rants and Raves (Part Nine)

 Coming through on this Thankful Thursday, Throwback Thursday energy will also be exhibited. It’s a blessing to be here as the saga  / struggle continues, it’s rough out here but we’re going to deal with it… …one way or another, word from the Brotha O, somethings got to give, QNC let us know the deal! As 2023 comes to a close confirmation was received that the devil will oppose per word from…

[haveacupofjohanny]

The High Cost of Christmas – Avoiding Financial Burnout

The holidays shouldn’t come with the cost of financial stress. 🎄✨ Let’s talk about the pressure to overspend for Christmas, why it’s not worth going broke, and how to celebrate meaningfully without the debt. #HolidaySpending #BudgetFriendlyChristmas

The holiday season is a time of joy, love, and giving, but for many, it comes with a hidden cost—financial stress. The pressure to create the “perfect Christmas” with lavish gifts, extravagant meals, and over-the-top decorations can lead to overspending and starting the new year deep in debt. Let’s talk about why going broke for Christmas is not worth it and how it can dampen the holiday…

[amandacooperkf]

Using Consumer Behavior Analysis to Predict...

"I’m talking to a big retailer and they’re talking about some kind of lifetime value initiative. And they said, 'We’ve got to put that on hold. It’s the holidays.' And I’m saying, 'Well, wait a minute. This is the time to really be doubling down on it.” #salesanalysis #b2b #holidayspending

Using Consumer Behavior Analysis to Predict...

Professor Peter Fader explains why retailers need to focus on consumer behavior analysis and pay attention to customers year-round.

Korn Ferry Connect

[diyinvestment]

◾️ How holiday consumer spending is distributed by Gifts, Holiday Items and other purchases! . ◾️Source: Statista . #holiday #holidayseason #holidays #holidaydecor #holidayshopping #holidayspending #spend #consumer #shopper #personalshopper #giftideas #gift #gifts #giftsforher #other #purchase #diyinvestment #stockmarket_facts #statistics #data #information #christmas #christmasdecor #decor #decoration https://www.instagram.com/p/CJO8zjTn0Nt/?igshid=1meucrb3rsg23

[rekhabarla01]

You worked hard all year long. Don't blow it all for one day. How to Control Christmas Overspending but still have fun | Free Printable Expense Tracker!

[ccoacares]

Christmas Shopping and Deferred Interest

Christmas time and deferred interest seem to go together like Santa and reindeer, but what exactly is deferred interest? WalletHub reports that credit card debt is on the rise and 82% of people unaware how deferred interest works. Deferred interest is when a retailer advertises a low introductory APR – often 0% – and gives a consumer the chance to pay for their purchases without interest for a certain number of months (6, 9, etc.), only to hit them with retroactive interest charges if the balance isn't paid off at the end of that time. It's fine if you have a realistic game plan to pay off the balance within that 0% time period. Otherwise, it can be a very expensive way to go. The worst scenario would be if someone made no payments during that time, because at the end of that period the balance will soar due to the finance charges added onto the original purchase amount.

[gailrobenavon]

Avon makes great gifts for everyone on your list! Shop 24/7 with FREE shipping minimum order. Orders can be shipped right to your home or to the person on your list! www.youravon.com/groben #holidayshoppingseason # #shopholiday #holidaypackages #holidayspending #holidaygifts #holidaygiftideas #stockingstuffers #secretsantagifts #teachergifts #babysittergifts #holidaysale #freeshipping #shoponline #nowrapping #lovetoshop (at Houston, Texas) https://www.instagram.com/p/B5LLAn5D7dC/?igshid=1fz4x7b82vnkn

[mekaisha]

My own kind of inner peace and freedom #holidayspend (at Boracay Island, Malay, Aklan, Philippines) https://www.instagram.com/p/BvJtltxgxiBsXe24dSuBlQO_XQoCU2pBSWalR80/?utm_source=ig_tumblr_share&igshid=13uk8iwtlor7f

[awesomeredhds02]

gingergirls.club

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Follow us for more: @gingergirls.club

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Credits: @katelouisecooper

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☀️

Woke up wondering why I’m not in a tropical country tanning myself in a bikini right now ? So here’s a throwback to when I was 😂

#holidayspending #redheadbrasil #redheadedbeauty#redheadwitch #redheadedstepchild#redheadsdoitbetter #redheadunite#RedHeadPinUp #gingershots#redheadgirls #gingerswholift#gingerslice #redheadartist#redheadsdontcare #gingerhead#gingersofinstagram #GingerSpice#redheadmonday #gingerlife#redheadelizabethbag

[paisleynailstudiollc]

Support small businesses not only this coming Saturday but everyday, especially during the holiday season. When you shop small & locally you are supporting not only you’re friends & neighbors but keeping a community thriving. . . . . #shopsmall #smallbusinesssaturday #shoplocally #supportyourcommunity #spendwithinyourcommunity #loveyourcommunity #smalltown #petaluma #sonomacounty #holidayspending #showyourloveforlocal #buyamerican ❤️💙🇺🇸 https://www.instagram.com/p/BqiNAtoAf2r/?utm_source=ig_tumblr_share&igshid=k12kulqonbzo

[omanxl1]

As We Proceed And Continue..(Part Four)

As We Proceed And Continue..(Part Four)

Digital Crate Digging Continues on a Saturday afternoon, but you’ll have to excuse a dude; at the moment I’m waxing poetic.. The saga / struggle continues, my way of saying life goes on; what’s the word from O-Zone? Life Is Hectic.. During the ongoing toil and strife? disrespected by the apparatus, they’ll even release economic data showing things are “all good” Strong job reports and Christmas…

[thefashionaddics]

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A post shared by The Fashion Addicts (@thefashionaddicts)

When bae asks for your 1/2 of the rent for January... @fashionaddictsbelike @ladygaga #ChristmasShopping #HolidaySpending #FashionAddictsBeLike

[roguenewsdao]

Un-Merry Christmas: The Perverse Incentives to Over-Consume and Over-Spend

In the current Mode of Production, the solution to every social and economic ill is to "grow our way out of it."

The solution to unemployment: jump-start growth by expanding consumption, spending and borrowing.

The solution to stagnant wages: jump-start growth.

The solution to declining profits: jump-start growth.

The solution to government deficit spending: jump-start growth.

And so on.

So what happens when most people have not just the basics of life, but a surplus of stuff? Where is the growth going to come from if people already have everything?

The answer is three-fold:

1. Replace a perfectly good product with a new product and dump the old one in the landfill.

2. Buy duplicates and put the surplus products in the closet or storage facility.

3. Buy gimmicks (Pet Rocks, etc.) that are tossed in the dump shortly after the holiday gift-giving season ends.

But does this Landfill Economy make sense? The cheap oil is about gone, and so does it make any rational sense to burn the last of the cheap fossil fuels on assembling stuff nobody needs in China, shipping it thousands of miles to retailers or Amazon warehouses, adding it to the immense piles of stuff most households already own, and then shipping the old but still functional products to the landfill, just to keep the economy humming?

This is of course insane. Decisions aren't being made as if scarcity matters; the goals and incentives are set to encourage perverse and destructive overconsumption and overspending: not only are we squandering resources in the sacrifice to the false gods of "growth," we're indebting households to do so, stripping income that could have been saved and invested in productive uses.

In the lunatic asylum of the current economic model, media anchors sport grins of delirious joy when reporting increases in holiday spending, as if a bump higher from $680 billion to $700 billion is a gargantuan win for the flailing economy.

Wasting resources, capital and income on stuff nobody really needs is a monumental disaster on multiple fronts. Rather than establish incentives to conserve and invest wisely, our system glorifies waste and the destruction of income and capital, as if burning time, capital, resources and wealth on stuff nobody needs is strengthening the economy.

Isn't it obvious that this system is a one-way path to collapse? Isn't it obvious that burning resources and capital to haul stuff to the landfill at an ever-increasing rate is madness, folly, recklessness and stupidity combined?

Isn't it obvious that if we set out to design the most perverse, toxic and doomed system possible, we'd end up with the Keynesian Cargo Cult's insane permanent growth/Landfill Economy?

It doesn't have to be this way. I've sketched out a sustainable, human-scale Mode of Production/way of living in my two books, Money and Work Unchained and A Radically Beneficial World.

A new arrangement is inevitable. Our choice boils down to changing our understanding and Mode of Production now, before the whole perverse structure falls apart, or waiting for scarcities and self-serving systems to collapse the current arrangement, leaving the ill-prepared and shell-shocked populace to sift through the wreckage.

Common sense suggests the first option is the wiser choice, but common sense is scarce in a world trapped in a bizarre Keynesian madness.  I'm offering my new book Money and Work Unchained at a 10% discount ($8.95 for the Kindle ebook and $18 for the print edition) through December, after which the price goes up to retail ($9.95 and $20).

Read the first section for free in PDF format.  If you found value in this content, please join me in seeking solutions by becoming a $1/month patron of my work via patreon.com.

NOTE: Contributions/subscriptions are acknowledged in the order received. Your name and email remain confidential and will not be given to any other individual, company or agency.

[amandacooperkf]

Using Consumer Behavior Analysis to Predict...

A look at trends in retail spending, from the holiday season to next year. #salesanalysis #b2b #holidayspending

Using Consumer Behavior Analysis to Predict...

Professor Peter Fader explains why retailers need to focus on consumer behavior analysis and pay attention to customers year-round.

Korn Ferry Connect