Holiday Spending Without Debt: Cash, Boundaries, and the January Reset

Christmas is days away, and if your credit cards are already screaming… this episode is your permission slip to stop the shame-spiral, enjoy your people, and not make things worse. We talk holiday spending strategies that actually work—setting real limits, using cash, and choosing experiences over stuff—because the best “gift” is not waking up in January with a financial hangover.

We also get into the psychology behind why we overspend (yep, hyperbolic discounting), how to say no without feeling like the Grinch, and what to do when the invite is pricey, the gift exchange is ridiculous, or the “just put it on the card” crowd shows up.

Then we pivot to the comeback plan: what you can do in January to recover fast and set up next year so you’re not repeating the same cycle.

More help and resources:

• https://getoutofdebt.org

• Damon can be reached at https://damonday.com