{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"116. Christmas Spending ","description":"Welcome back to another episode of the 360 Money Matters Podcast!&amp;nbsp; In this episode, we discuss tips for managing Christmas spending. We emphasize the importance of setting a budget to avoid overspending, as well as saving throughout the year specifically for Christmas expenses. We recommend avoiding credit card debt by not relying on credit for purchases. Other tips include shopping early, taking advantage of sales, regifting items that aren't wanted or needed, considering experiences rather than material gifts, participating in Secret Santa exchanges to save money, and receiving more meaningful gifts, among others.&amp;nbsp;&amp;nbsp; Furthermore, it's crucial to be mindful of spending during the festive season and find creative ways to socialize without breaking the bank. Say yes to things that bring joy and benefits, but be conscious of where you're spending your money. Take control of your holiday spending and make the season joyous without breaking the bank! Join us in being mindful of your expenses and finding creative ways to celebrate!&amp;nbsp; - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &amp;amp;&amp;nbsp; Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning \u2013 AFSL 232706 &amp;nbsp; Episode Highlights   Setting a budget for Christmas spending   Setting up a dedicated savings account for Christmas   About regifting   Opting for experiences instead of material gifts   Setting limits and expectations on gift spending   Importance of being proactive and avoiding a rushed approach   Considering homemade or environmentally friendly gifts   Exploring cost-saving options   Creative ways to catch up with friends and family   &amp;nbsp; Connect with Billy and Andrew! 360 Financial Strategists&amp;nbsp; &amp;nbsp; Check out our latest episode here:&amp;nbsp;  Apple Podcast Spotify  Google Podcast &amp;nbsp; ","author_name":"360 Money Matters","author_url":"http:\/\/360moneymatters.libsyn.com\/website","html":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/28934798\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/2a4c9d\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/28934798"}