How to Manage Holiday Spending Without the Stress

 Holiday joy shouldn’t come with a financial hangover. In this episode, Miguel Gonzalez, CRC, shares practical ways to stick to a holiday budget, avoid debt, and enjoy the season stress-free. 

Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.

Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.

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Welcome to Cortburg Speaks Retirement Podcast
with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC®

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Transcript

Welcome to Cortburg Speaks Retirement

An audio podcast about investing in the stock market, financial planning, money management and retirement planning.  Each Wednesday, we help investors at all stages of life learn how to potentially grow and preserve their money from first job through retirement.

Now here is your host, Miguel Gonzalez.

 HOST

Good morning and welcome to the CORTBURG SPEAKS RETIREMENT audio podcast.   

This week, as the holiday season approaches, let’s talk about holiday spending. The joy of giving can quickly turn into financial stress if it’s not managed carefully. Here are some smart ways to keep holiday costs under control.
 
 First, set a holiday budget before you start shopping. Decide what you can comfortably spend, then break it down by gifts, travel, food, and decorations.
 
 Second, make a list and stick to it. Without a plan, it’s easy to overspend. A list keeps your giving intentional and your spending realistic.
 
 Third, get creative. Homemade gifts, shared experiences, or acts of service can mean just as much—sometimes more—than store-bought items.
 
 Fourth, shop early and compare prices. Last-minute buying often means higher costs. A little planning stretches your dollars further.
 
 And finally, avoid leaning too heavily on credit. If possible, use cash or debit to stay within your limits. Paying off balances quickly helps prevent holiday debt from following you into the new year.
 
 Once the season is over, think ahead. Even saving a small amount each month can make next December much less stressful.
 
 The holidays should be about joy and connection—not regret. With a little planning, you can celebrate fully without financial stress.
 
 

This is Miguel Gonzalez, Certified Retirement Counselor (CRC) and Managing Partner, with Cortburg Retirement Advisors signing off for this week’s educational podcast.  

End of video disclosures:
CRC conferred by The International Foundation for Retirement Education.

 Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through Private Advisor Group, LLC, a registered investment advisor.
 
 

Private Advisor Group, LLC and Cortburg Retirement Advisors, Inc. are separate entities from LPL Financial.
 
 

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
 
 

All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy.

Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal. 

Assumed rates of return are for illustrative purposes only and do not reflect the performance of any specific investment. Market returns vary and are not guaranteed.

Tax treatment of investment earnings may affect compound growth. Consult with a tax professional for guidance specific to your situation."