BLACK FRIDAY

Ready to start a budget but don’t know where to begin? Candice talks about Black Friday shopping, emphasizing the importance of creating a budget, avoiding credit card usage, and planning ahead to prevent overspending during the holiday season!

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Intro

Hey, good morning, everybody! It's 10 o'clock on Thursday, so that means it's Coffee Chats with Candice. I want you to grab your coffee or beverage of your choice, it doesn't matter to me, I don't judge. I also don't judge on your finances either! That's something I've not ever said. I'm not here to pass judgment on anybody. That's not my job. I'm here to help bring hope and, and peace into your life about your finances.

If you're new to me, my name is Candice Montgomery, and I own three businesses with my husband. The first one, my husband and I started in 1996. And it's in its 27th year as of this year and so we paid off over $450,000 in seven years time and since 2022 as of yesterday, at the time of this live July, Today is July 13. So as of yesterday, July 12th. It's been exactly one year, since we paid off all of our debt. So I'm so excited, so excited for that! It's just surreal. I hope that I hope that you can join me on this journey too, if you're interested in becoming debt-free. I'm so I'm passionate about business and budgeting and sharing that with you.

Coaching Call Plug

When it comes to budgeting, I know where you are, I've been where you are, I know how you feel, so I know it's confusing and you think that you're never going to be able to pay off your debt, or get your finances in order, but I can help you with that!

Just remember that if you or someone else needs help with their finances or is struggling, just reach out because I do 1-on-1 coaching and I can help you through that. I know what it's like to be there – we were there. I was tired of living that lifestyle and so now I love living with the freedom of not having any debt.

Black Friday Budgeting Tips and Shopping Strategy

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Anyway, so with regards to Black Friday, you want to make sure that you list everyone (just kind of like what we were talking about with Christmas last week.)

- You want to list everyone.

- You want to decide on your budget (without using credit)

- And you want to stick to it.

Don't let the excitement of the season sway you when you go into the store. You want to just hold strong and make sure that you stick to your guns.

If you go in prepared and you start preparing now, then you will be ready to go. You'll be like, “I know this is what I'm going to do” and “This is how I'm going to do it.” You'll be ready, and you'll have your list and everything will be just be great. Just don't go crazy.

Try to save, as we talked about last week on “Trying to save for your Christmas budget,” (starting now) so that you can have that money ahead of time and you're not stressing out over it, you're not struggling with it, you're not having to use your credit card. Remember experiences over things?

But also discuss with your family: Parents, grandparents, gift giving expectations, brothers, siblings, sisters, etc., so that no one's feelings are hurt when you make adjustments to your spending budget of what you're going to purchase for other people.

Because, you know, if you’ve been doing this and you've like, “Oh, I've been doing this for like six years, and we've been doing $100 a person” or whatever, it can get out of control, and then you carry that debt into the next year and then you're still paying it off.

Just share with everyone what you want to plan for the season and then with that, you just get ready for Black Friday.

I hope that I've inspired you to create a budget for Black Friday. If you're going to be a shopper.

Outro