Hi, December!
Warmest holiday wishes from our team to yours.
We’re grateful for the opportunity to serve you and appreciate the collaboration we’ve shared throughout the year. May your holidays be joyful and the year ahead bring new opportunities and growth.
Best,
The RYU team.
Smart Financial Tips for the Holiday Season
1. Set a Holiday Budget (and stick to it!)
Decide your total spending limit for gifts, travel, food, and events. Assign a dollar amount to each category so you can enjoy the season without the January regret.
2. Use a Separate “Holiday Fund”
If possible, move your holiday spending money into a separate account—like a checking account or even a HELOC sub-account—to avoid dipping into everyday funds.
3. Avoid High-Interest Debt
High-interest credit card balances can take months to recover from. If you need to borrow, explore lower-interest options like a HELOC to keep costs manageable.
4. Track Your Purchases in Real Time
Use a budgeting app or your bank’s mobile app to monitor spending. A quick daily check-in helps prevent “holiday creep.”
5. Give Meaningful, Not Expensive
Handmade gifts, experiences, or family activities often mean more—and cost less—than last-minute big-ticket items.
6. Take Advantage of Year-End Sales
If you’re planning larger purchases, watch for legitimate discounts around Black Friday, Cyber Week, and end-of-year clearance events.
7. Review Your Financial Goals Before January
Use the quiet time at the end of December to check in on your goals—paying down debt, building savings, or investing in real estate. A little planning now makes January smoother.
8. Protect Your Identity
Holiday shopping increases the risk of fraud. Enable two-factor authentication, avoid using debit cards online, and check statements frequently.
9. Plan for Next Year NOW
Set aside a small monthly amount starting in January—$50 to $100—so your 2025 holidays are fully funded and stress-free.
10. Give Yourself Grace
The holidays are about connection, not financial pressure. Make choices that align with your values and your long-term financial plan.
We are excited to share that Replace Your University has donated $45,000 to local charity foundations in 2025, an initiative completed before receiving any client donations.
Thank you to everyone who has recently donated; we truly appreciate your support!!
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