How to Enjoy the Holidays Without Breaking the Bank

On the podcast I sit down and talk with Lucas Nettles from Revo Financial and we go over some guidelines to not let your holiday spending break the bank. Pray this encourages you this week.

This episode is sponsored by

Copan Restaurant and Truckstop

Outpost Coffee

Precision Lawn & Landscaping of Bartlesville, LLC

***SHOW NOTES***

Below are Lucas' notes for this episode:

1. Opening Reflection: Why Holiday Spending Deserves Attention

Talking Points:

 Share a personal story or client experience that highlights the tension between

generosity and financial strain.

 Acknowledge the emotional and cultural pressures of the season.

 Introduce the concept of stewardship as a guiding principle.

Biblical Principle:

 Stewardship is managing God’s resources wisely.

 Scripture: “Moreover, it is required of stewards that they be found faithful.” — 1

Corinthians 4:2

Engaging Question:

 “What does faithfulness look like in your finances during the holidays?”

2. Recognizing the Holiday Spending Trap

Talking Points:

 The influence of marketing, social media, and comparison.

 Emotional spending: guilt, obligation, tradition.

 The myth that love equals lavish gifts.

Biblical Principle:

 Avoiding worldly patterns and embracing contentment.

 Scripture: “Do not conform to the pattern of this world, but be transformed by the

renewing of your mind.” — Romans 12:2

 Scripture: “Keep your lives free from the love of money and be content with what

you have.” — Hebrews 13:5

Engaging Question:

 “How do you guard your heart against comparison and consumerism during the

holidays?”

3. Creating a Budget That Honors God and Your Wallet

Talking Points:

 Review last year’s spending and set a realistic budget.

 Categorize expenses: gifts, travel, food, décor, giving.

 Use tools like envelopes, apps, or spreadsheets.

Biblical Principle:

 Planning is wise and honors God.

 Scripture: “Suppose one of you wants to build a tower. Won’t you first sit down

and estimate the cost?” — Luke 14:28

 Scripture: “The plans of the diligent lead surely to abundance.” — Proverbs 21:5

Engaging Question:

 “How can budgeting be an act of worship and trust?”

4. Spending Smarter Without Sacrificing Meaning

Talking Points:

 Shop early, use cash, and avoid debt.

 Prioritize meaningful gifts: handmade, experiences, time.

 Consider group gifts or charitable giving in someone’s name.

Biblical Principle:

 Generosity is about heart, not price tag.

 Scripture: “Each of you should give what you have decided in your heart to give,

not reluctantly or under compulsion.” — 2 Corinthians 9:7

Engaging Question:

 “What’s one creative way you’ve shown love without overspending?”

5. Giving with Purpose: Charitable and Faith-Based Giving

Talking Points:

 Set aside a portion of your holiday budget for giving.

 Support ministries, local families, or global missions.

 Involve your children or family in giving decisions.

Biblical Principle:

 Giving reflects God’s generosity.

 Scripture: “It is more blessed to give than to receive.” — Acts 20:35

 Scripture: “Honor the Lord with your wealth, with the firstfruits of all your crops.”

— Proverbs 3:9

Engaging Question:

 “How can your holiday giving reflect your faith and values?”

6. Preparing for Next Year with Peace and Purpose

Talking Points:

 Start a sinking fund in January.

 Reflect on what worked and what didn’t.

 Set financial goals that align with your spiritual goals.

Biblical Principle:

 Wisdom looks ahead and prepares.

 Scripture: “Go to the ant, you sluggard; consider its ways and be wise!” —

Proverbs 6:6

 Scripture: “The prudent see danger and take refuge.” — Proverbs 27:12

Engaging Question:

 “What one step can you take today to prepare for a more peaceful holiday

season next year?”

7. Closing Encouragement

Talking Points:

 Stewardship is not about restriction—it’s about freedom and faithfulness.

 Invite listeners to reflect, plan, and give with joy.

 Offer a final encouragement: “You can celebrate generously without sacrificing

financial peace.”