Many Americans face challenges managing holiday spending and debt, with the season often bringing unexpected financial stress. It's common for people to go over budget, and for some, the weight of last year's holiday debt carries over into the current season. You're not alone in navigating these difficulties. According to multiple studies, over 50% of Americans report exceeding their holiday budget each year. In fact, nearly 30% of consumers carry over holiday debt from the

Holiday gatherings offer a rare chance to reconnect with loved ones, creating space to celebrate shared traditions that deepen family bonds and friendships. And for many, holiday gatherings are also an opportunity to welcome new friends and family members, and new traditions. There’s nothing quite like the warmth of these moments, which can help nurture a sense of belonging that lasts into the new year. Financial constraints shouldn’t stand in the way of these meaningful gat

Recover from Holiday Spending and Prepare for Next Year

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It is impossible to get around without a car or public transportation. Imagine trying to navigate daily life without a car or reliable public transportation. For millions of Americans, this isn’t a hypothetical, it’s their everyday reality. A trip to work, a doctor’s visit, or even a grocery run can turn into an hours-long ordeal, or worse, an impossible task. I live in a city that offers good public transport. And yet, there have been times when I've had to walk, take two tr

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