Thank you for joining today’s #CreditChat! We hope today’s conversation offered helpful perspectives on how emotions and social influences shape spending, along with practical ideas for making money choices that reflect your priorities. You can review upcoming #CreditChat topics here: https://t.co/XF7BxeeEOc
@Experian A10. One habit is to keep their budget digitally so that you can reference it when emotions are high about a purchase. Remember, they can't miss what they don't have.
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@Experian A9. When there are big families or even small ones, there are gift exchange ideas under $20 or get creative, say the gifts are for the kids and everyone play games together. Sometimes the best gift is seeing a loved one's smile.
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@Experian A8.
You'll need someone in the group to plan away ahead to know what the total cost is to travel, lodging, transportation, food, activities and even purchasing souvenirs. Planning is your best friend.
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@Experian A6. If you shop on Amazon or even Walmart+ turn off the "but now" option. Build layers for yourself, by signing out of each online app on your phone so you don't order stuff while you are sleeping.
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@Experian A5. You can decide if the purchase is for you if you answer yes to all the questions: is it in the budget?, do we need it now?, Will this purchase bring long term joy?
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@Experian A4. You have to have clear financial goals that you have in mind and share them with your friends and family. Remember your rules are not their boundaries. You can even try finding free or discounted activities in and around town. Go out and be festive!
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@Experian A3. Social media influencers or even everyday people see a product that they love and share about it. We all don't like to be the first, so we'll wait to see if someone else tried it out before buying. It's the best marketing strategy.
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@Experian A2. Looking at Spending patterns usually can be correlated by what someone sees on television, social media and holidays. Priorities are often secondary during the holidays, unfortunately.
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@Experian A1. There has been studies talking about emotional spending. We spend the most when we are bored. We revert back to old habits because we are bored. Build a new habit to control your spending. https://t.co/JoF22C4y4r
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The hardest pill to swallow in tech: Technical brilliance only gets you so far.If you want to step into leadership, you have to stop hiding behind your screen, learn business communication, and translate technical risk into executive impact. 🧵👇
#Cybersecurity#TechCareers #Infosec
Biggest cyber advice I can give isn’t technical: protect your mental health.
Not hired for on-call? Get paid when you’re called. Agree to terms before you say yes. Then log off & touch grass 🌿
From Security Happy Hour, 10/16 👇
https://t.co/NHmFNxAdF8 #infosec
It’s almost time for our weekly #CreditChat. Join us at 3 p.m. ET.
Topic: Get Smart About Credit Day: Building Confidence Through Credit Education
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A2. One misconception I heard growing up was that credit is bad and should be avoided. Credit is a financial tool; debt can become a problem when it’s not managed well. https://t.co/aSzHpV386i #CreditChat
A6. Credit is a lifelong journey. As our goals, finances, and responsibilities change, so do our credit needs. Continuing to learn about credit and personal finance helps us make informed decisions, build healthy habits, and prepare for what’s next. #CreditChat
A6. Start early and model the behavior! Parents, educators, and communities can help young people build healthy financial habits by teaching them how to budget, save, set goals, and make thoughtful spending decisions. #CreditChat