Wednesday, November 12
Simplify Before the Holidays
Why I’m Choosing Less This Holiday Season - And You Might Want To Too
When I pulled out the holiday decorations last weekend, I noticed something unusual: the box was heavier with cords and broken lights than with joy. That’s when it hit me, maybe the real gift this year is less.
Over decades of celebrating, hosting, and gifting, I found one truth: simplifying still gives the magic, but without the “money-hangover” in January. If you’ve wondered how retirees can enjoy the holidays without the financial aftermath, this story is for you. 👇
🌟 Today’s Highlights
Why “more” during the holidays often costs you into the new year
Three practical ways retirees can simplify without sacrificing joy
How skipping the chaos actually creates more meaningful moments
📊 Stat of the Day:
A recent survey shows that over 60% of consumers admitted they spent too much during the holidays and regretted it in January. Kiplinger
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💡 Today’s Insight: Simplify & Save
Here’s what I learned—and what you can try too:
1️⃣ Set a “joy budget,” not a gift budget.
Instead of tracking every gift, pick three meaningful experiences or items that truly matter, then spend the rest of your time with presence, not purchases. Experts at Kiplinger suggest starting early, making lists, and considering alternative gifts to avoid overspending. Kiplinger
2️⃣ Create one “declutter moment.”
Before decorating or buying, take 30 minutes to go through one drawer or shelf. Let go of one item for each new one you bring in. This small step keeps your home calm, and your spending focused.
3️⃣ Automate your post-holiday recovery.
Stop feeling guilty in January. Use tips from Citizens Bank on how to get back on track financially after the holidays. Set one automatic transfer into savings now, even just $20, and you’ll feel the difference. Citizens Bank
🔑 What You Can Do This Week:
Write down one holiday tradition you want to keep, and one you’re willing to let go.
Choose a “joy budget” number now (gifts, décor, travel) and set a reminder to check it mid-season.
Share this with someone you’ll celebrate with,an early chat cuts surprise expenses later.
📬 Question for you:
If you had to pick one thing to skip this year (gift-buying, décor, big get-together), what would it be, and what would you do instead?
Reply and tell me, I’ll share some of your answers in next week’s issue.
💌 PS: If this landed in your Promotions tab, drag it into Primary so you won’t miss next week’s smart money moments.
With calm, clarity & a lighter wallet,
Sarah