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That reminds me of this gem:
"Remember that credit is money." - Ben Franklin
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"It's not a deal if you didn't need it!" Absolutely. #CreditChat
A6: I LOVE a good bargain, but 𝗶𝘁'𝘀 𝗻𝗼𝘁 𝗮 𝗱𝗲𝗮𝗹 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗶𝗱𝗻'𝘁 𝗻𝗲𝗲𝗱 𝗶𝘁. Go into Black Friday and Cyber Monday with your list and your spending limit. Let the sale help your plan—don't let the sale become the plan. #CreditChat
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A10. I review my cash flow, set a holiday savings target, and decide what I'm willing to spend before the season starts. My goal is to enjoy December without regretting January. It's just that simple. #CreditChat @Experian
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A9. After going through a major life change, I've learned traditions don't have to disappear, but they may need to evolve. I focus on what creates memories, not just what costs money. #CreditChat @Experian
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A8. I leave room in my holiday budget for the unexpected. Travel changes, forgotten gifts, or family needs can happen, so I don't spend every dollar I planned. #CreditChat @Experian
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A7. I treat credit as a payment tool, not extra income. If I can't see how I'll pay the balance without creating stress, I won't make the purchase. #CreditChat @Experian
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A5. My shopping list keeps my emotions from becoming my budget. I write down who I'm buying for, what I'm buying, and my limit before I start shopping. Usually my limit is under $30. #CreditChat @Experian
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A4. I like my holiday sinking fund. Putting a little money aside throughout the year makes December feel like a planned expense instead of a financial emergency. #CreditChat @Experian
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A3. I look at what my cash flow can handle after bills, savings, and debt. If the money isn't there, I adjust the holiday plan to stay by myself and do virtual meetings from a beach. #CreditChat @Experian_US
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A2. I budget beyond gifts. I include travel, food, decorations, events, and those little "while I'm here" purchases that can quietly turn into a big holiday bill. #CreditChat @Experian
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A1. I start planning for holiday spending as early as possible. After my divorce, I value having a plan because I don't want holiday spending to create financial stress months later. #CreditChat @Experian
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A6. I ask myself, "Would I buy this if it wasn't on sale?" A discount isn't savings if I didn't need the item in the first place. #CreditChat @Experian
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Don’t miss tomorrow’s #CreditChat about planning ahead for holiday spending. We’ll discuss creating a holiday budget, saving ahead, shopping sales, using credit thoughtfully and preparing your finances for the season and beyond.
We’ll be joined by: @DebtFreeGonnaBe, @ACCreditCounsel, @LeslieHTayneEsq, @Glink, @aboutthatwallet, @themoneycoach, @michaelreynolds, @Kembala, and @creditscoop.
experian.com/blogs/news/abou…
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Instead of pii it's going to be pib.. this is interesting
Everything you do and say is data for big tech. This past Friday @winnschwartau explained it succinctly on Security Happy Hour.
#TheCyberWarrior #CyberWarriorStudios #SecurityHappyHour #Cybersecurity #CognitivePearlHarbor
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Nearly $400B is expected to be spent on digital advertising in 2026.
But here’s the harder question: Is it actually working?
Experian’s Kim Gilberti explains why connecting identity across websites, apps and devices can help marketers answer that question—and make every ad dollar work harder.
Watch the latest Experian Exchange Here: piped.video/G7eI8tutpWI?si=1tby…
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Q5. When comparing personal loan offers, which costs or terms deserve the closest attention and why? #CreditChat
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Thanks to our amazing panelists: @ACCreditCounsel, @MoneyFitbyDRS, @aboutthatwallet, @fersherrill, @wallethacks, @creditscoop, @Perspectives83 and @Kembala! We appreciate your expertise and time today! #CreditChat
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A10. If I've learned anything, it's this: build a home that fits your budget, not your ego. Financial peace is worth more than impressing people who don't pay your bills. #CreditChat @Experian
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