18WT 035: In todays’ episode our hosts Patrick and Janet talk about money and how so many people are in the habit of spending too much during the holiday season. They discuss how many people they know budget for Christmas and make lists for it. While others do not set a budget and when they go shopping for gifts it is akin to a kid in a candy store with a ten-dollar bill. Those people just buy whatever suits their fancy and they just charge it. As in on the credit card. Those are usually the people, part of that 13% of Americans that when they go shopping every year, still are paying off last years’ credit card debt.
Then there are some of those people that think they are doing right by setting a budget. Yet they put it all on their credit card and then make minimal payments on it. So that $1000 budget, by the time it is paid off, becomes $1500 or more.
The people that pay cash, have to be smart about it and begin setting money aside at the beginning of the year and be faithful about not touching it for anything else. In today’s economic society that can be very hard to do. Some companies used to offer a Christmas savings account that came directly out of your check. It was then held for you until October when you could remove the funds and begin your Christmas shopping. It was kind of an out of sight, out of mind savings account.
Our hosts also talked about the comparisons between layaway and Afterpay. The major difference is that with layaway, the store held your merchandise until it....
Full podcast show notes available here:
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