The holidays don’t have to mean financial chaos.

In this episode of Money Files, I’m breaking down The Holiday Money Myth, the belief that you have to choose between joy and financial peace. Every year, we get caught in the same cycle: overspending in November and December, then starting January in regret and survival mode. But it doesn’t have to be that way.

I’ll walk you through how to redefine what generosity, connection, and celebration look like, without defaulting to debt or fake math. You’ll learn how to set a realistic holiday spending number, plan for emotional triggers, and create meaningful experiences that don’t cost your financial peace.

You’ll also hear practical steps to help you manage your holiday spending in alignment with your goals, from setting clear boundaries to maintaining your weekly money dates through the season.

Listen in to learn:

[01:10] Why the Holiday Money Myth keeps you stuck in overspending cycles

[03:25] How fear and guilt drive holiday spending habits

[05:15] How to define what joy and connection truly mean for you

[07:30] Setting your total holiday spending number based on real math

[09:50] How to give meaningful gifts without going into debt

[12:20] Managing emotional spending triggers during the holidays

[14:40] Why maintaining weekly money dates keeps you grounded

[15:55] How to enjoy the season without sacrificing your goals

Tune into this episode of Money Files to learn how to enjoy the holidays without falling into the trap of overspending. It’s time to rewrite your holiday story, with intention, generosity, and financial peace.

Get full show notes and the episode transcript: https://wealthovernow.com/how-to-enjoy-the-holidays-without-overspending-or-debt/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

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