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Hey, it’s Steve from Feasible Creative — your weekly shortcut to smarter money moves.
BUDGETING
🎁 Save More Green
Black Friday season is here, which means it’s time to buy gifts.
Before tapping that card at the checkout, consider this shocking statistic: 36% of people are still paying off last year’s holiday shopping debt. This is according to research by Consolidated Credit.
Don’t be that person.
Here’s my strategy to successfully navigate the consumer market this holiday season.
Need help building a personalized budget (for free)? ➡️ Book a 1:1 Budget Review Call
📊 Quicken Simplifi Budget App (Limited Time Offer)
Now is the time to get your budget right for next year. Quicken is running a special Black Friday offer where you can get up to 70% off. ➡️ Click here to learn more and sign up.
This is perfect for tracking holiday spending in real-time so you don't blow your budget.
🎯 The Holiday Gift Strategy
Here’s a plan that could help your budget stay strong during the holidays:
Set a Total Budget (Before You Shop): Instead of winging it, actually think about the people you’re aiming to buy gifts for before starting. To visualize this, you can build a simple spreadsheet with:
Names of everyone you’re buying gifts for
Anticipated spend per person
Total budget limit
Track Your Spend: Once the budget is built, you need to actually track spend. There are two options here:
Manually track using a spreadsheet (free, but time-consuming)
Use a budget app like Quicken Simplifi (Black Friday limited time offer). For example, you can track your ‘gift’ category spend automatically.
Beware of Buy Now, Pay Later: Klarna. Affirm. Afterpay. Avoid these at all costs. If you can’t afford the gift right now, you can’t afford the gift, period.
Use Rewards (Responsibly): If you’re a responsible credit card user, now is a good time to check out any merchant deals offering boosted cash back. Additionally, you can use built up cash back you have saved for gift purchases.
Start Early: Don’t wait until it’s too late to get started. Chances are you won’t miss any massive deals, and your stress levels will be low while everyone else is frantically shopping last minute.
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TOOLS
📈 Empower Personal Dashboard
Tracking your net worth is critical. To do so, I recommend the free Personal Dashboard from Empower. This tool pulls everything into one place so you can track your net worth.
🔑 The Bottom Line
Holiday shopping shouldn’t be a budget destroyer. In fact, if you prepare and stick to a budget, you may not even notice a change in your financial position.
What’s your holiday shopping strategy? Hit reply and let me know!
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Talk Soon,
Steve
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RESOURCES
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🎥 Watch: Not Finance related, but this guy is an eating machine.
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YOUTUBE
🎞️ In Case You Missed It
“Be grateful for what you have; you’ll end up having more.” - Oprah Winfrey
Disclaimer: The content provided in this newsletter is for informational and educational purposes only. It is not intended to be a substitute for professional financial advice. Please consult with a financial advisor before making any financial decisions. This newsletter may contain affiliate links, which means I may earn a commission if you make a purchase through these links, at no extra cost to you.
Empower Personal Wealth, LLC (“EPW”) compensates Feasible Creative LLC for new leads. Feasible Creative LLC is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.