Do You Regret Your Holiday Spending?

Every January, millions of Americans wake up to a cold reality: the holiday bills have arrived. This episode of The Financially Confident Christian tackles one of the most common money hangovers of the year — holiday debt regret.

Host Ralph Estep Jr. unpacks new statistics revealing how 36 % of Americans took on holiday debt, averaging $1,181, with nearly half still paying off last year’s balances. Through a heartfelt listener story and a powerful message from faith, Ralph shares how to trade December pressure for January peace. Ralph then walks through five practical and spiritual steps to break the cycle once and for all — from visualizing your financial peace to creating an intentional holiday spending plan. This episode shows that true joy isn’t found in overspending, but in mindful, faith-filled preparation. If you’ve ever looked back in January and said, “I wish I’d spent less and saved more,” this message is for you.

Read today's blog article:
https://www.financiallyconfidentchristian.com/blog/breaking-cycle-holiday/
https://financiallyconfidentchristian.com/regret-holiday-spending

Podcast timestamps:
00:00 Introduction: The January Holiday Debt Dilemma
00:47 The Cycle of Regret and Debt
01:09 Breaking the Cycle: Practical Advice
02:05 Personal Stories and Real-Life Examples
03:16 Visualization and Planning for Financial Peace
04:16 Identifying and Managing Regret Zones
05:19 Creating an Intentional Holiday Spending Plan
06:01 The Importance of Saying No
06:37 Peace Over Pressure: Final Thoughts
07:00 Biblical Wisdom and Prayer
08:21 Action Items and Encouragement
09:22 Conclusion: Living Financially Confident

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The Ask Ralph Media Podcast has been honored as the Best Christian Finance Podcast in the U.S. for 2025 by Best of Best Review. This prestigious award recognizes the show’s unwavering commitment to blending biblical wisdom with practical financial guidance, empowering listeners to make wise money decisions rooted in faith. Through its concise, impactful 10–12 minute episodes, the Ask Ralph Podcast has inspired and equipped audiences nationwide, standing out among countless voices in the finance and faith space.
https://bestofbestreview.com/awards/ask-ralph-media-inc-best-christian-finance-podcast-in-the-u-s-of-2025