Save Your Wallet’s Tears - 2022 Holiday Season Savings Tips

Here's how to save your money this holiday season!

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Every time payday rolls around, I’m on top of the world. Jeff Bezos-level rich - even though I’m anything but. And then somehow the very next day, rent is due.


The cycle continues. The next payday, bills for my apartment. I find myself without a surplus of savings since I just moved and newly-furnished my apartment completely.

Even more terrifying is the looming presence of the holiday season. Halloween’s officially over and before we know it, hello Thanksgiving…and then there’s Hanukkah, Christmas, New Year’s. It’s insane.

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I love giving gifts to my friends and family that truly mean something. Up until recently, I was a broke college student with no expendable income, so my options were minimal. But now that I have a paycheck, I'd like to become the Oprah of my family and give it away.

However, I don’t have Oprah kind of money. I can’t give my family a new car or house like an influencer can. And, at the end of the day, I barely have enough saved to shop like I really want to.

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Moving can be expensive and so can everyday household bills, so tucking the bucks away during the holiday season is borderline impossible. It’s intimidating and stressful, so many people - including myself - give up. But this year, I’m determined to have a no-guilt shopping-season.

But I’d like to get my savings in order and start building up my credit in the process. Having your finances in order before the New Year is a great way to get a jumpstart on those inevitable resolutions.

Racking up credit card debt during the Christmas shopping season can lead to elevated blood levels…so I’m looking for ways to avoid this as much as possible.

Here are three helpful tips to not overspend this holiday season:

Start Shopping Now

About 50% of Americans start shopping for the holidays before Halloween. The best way to avoid overspending on gifts is to plan out precisely what you’ll get for everyone, and then put together your budget.

I make a list of friends and family, appropriate gifts and pricing, my budget, and then I allocate a specific amount per paycheck on gifts so I’ll have everything purchased by Christmas.

By planning in advance, you’ll know what to expect from your bank account and the cashier.

Save Away

By taking around half of your paycheck and putting it in a savings account, you can ensure to build up a healthy savings. I dig into my savings for rent purposes only, and continue to build it every paycheck. This helps me afford special items or larger gifts for my loved ones.

CNN recommends finding small ways to increase your expendable cash. Survey websites like Branded Surveys can help you can make extra money simply by giving your opinion. Browser add-ons like Rakuten can help you get cashback on purchases from websites like Ulta and Urban Outfitters.

Check your credit card’s website for a list of stores where you can get major cash-back deals. This can help you stack up money to cash in for plane tickets, a check, or other fun rewards.

Look For Deals

As Black Friday approaches, there will be plenty of huge discounts. Sign up for emails from your favorite stores, or zone in on those gifts you want in advance and keep an eye out for them so you can snatch them up when they pop up - and they will.

If you’re looking to give the gift of travel, Southwest currently has a deal to save $200 on a trip to Punta Cana. There’s nothing like a mid-winter, tropical vacation to get some much-needed R&R


The holidays can be a pricey time for everyone - but they don’t have to be for you. Save yourself some stress this year with these three simple-saver tips.

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I’ve been feeling very British lately. Not in a Union-Jack-obsessed, “Keep Calm and Carry-On” way. I went through that phase in 2012 with everyone else… no thank you. And it’s not even a surge of patriotism catalyzed by the Queen dying — I’m firmly team Diana and team Meghan.

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Southwest Airlines Sale 2022

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Pack your bags — Southwest Airlines is having a major sale! Fares are as low as $59 one-way if you book by October 3rd.


This end-of-summer super sale is a game-changer for your travel plans through the end of the year. Summertime travel gets all the glory. But why not take advantage of your long weekends, holidays, and PTO this fall. You’ll be surprised at how much travel you can fit in. Keep the fall/winter season exciting with domestic trips that give you all the excitement without breaking the bank. All thanks to Southwest.


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Quiet Quitting is the latest trend among Gen-Z TikTok that encourages setting boundaries at work

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Toni Morrison has an anecdote about her first ever job, which was cleaning some neighborhood woman’s house. The young Toni arrived home after work one day and expressed her troubles to her father. But he didn’t provide the sympathy she expected. Instead, he gave her something better — his advice:

“Listen. You don’t live there. You live here. With your people. Go to work. Get your money. And come on home.”

Years later, she wrote about this remarkable experience for the New Yorker and said, in hindsight, this is what she learned:

1. Whatever the work is, do it well—not for the boss but for yourself

2. You make the job; it doesn’t make you

3. Your real life is with us, your family

4. You are not the work you do; you are the person you are

What Morrison so eloquently articulated was setting boundaries. I revisited this piece during the pandemic when working from home ramped up in earnest. Back when work was one of the few things that anchored my day.

Without a physical office, the pandemic shattered the work/life balance for many people. There was no more of that physical separation that Morrison talked about. There is no coming home from work physically. There is no real life to come back to — just a manufactured commute to your laptop in your makeshift home office.

But, par for the course, Gen Z are navigating this boundaryless era using TikTok. While internet gurus promote hustle culture and constant online availability since you’re not getting face time with your managers, there’s a trend in town — “quiet quitting.”


@zaidleppelin On quiet quitting #workreform♬ original sound - ruby


The trend arose from the depths of the pandemic. Layoffs, salary cuts, and furloughs proved that their employers did not care about their hard-working employees.

The Washington Post dubs quiet quitting as a fresh trem for an old phenomenon: employee disengagement. In many cases, it’s a response to burnout. For much of Gen Z, it’s a way of establishing healthy boundaries in the office and resisting the pressure of the rat race. After all, why work yourself to the bone for a company that just proved it’s ready and willing to let you go?

Despite the term’s negative connotations, Quiet Quitting can provide an empowering shift in thinking for employees.

For far too long, employees have been indoctrinated with a slew of toxic workplace advice. Faced with these old misconceptions and lacking job security or clear paths for advancement, Gen Z is untethering their identities from work.

Quiet quitting — therefore — might be a bit of a misnomer. These employers aren’t completely disengaged. They’re certainly not launching Flight Club-esque sabotage attempts on their employers. NO. Contrary to media panic, Gen Z understands the value of a job — the fickle market they entered ensured that. But they also understand the value of life.

They’re doing what they’re being paid for. Nothing more, nothing less.

According to Chief, a private membership network focused on connecting and supporting women executive leaders, older generations should learn from this approach.

“Gen Z has already endured the largest seismic shifts to the career landscape than any previous generation, having started their careers in the middle of a pandemic that changed office culture forever and a gig economy that makes piecing together work more viable. They’re taking both those realities and therefore demanding more autonomy and flexibility than any other generation.”

Gen Z are less attached to job titles and statuses. They’re more concerned about their lives. Sure, this can lead to problematic outlooks on money and experiences — see the “I can earn my money back” TikTok trend. But it’s better than hustling for no reward. Besides, as some Gen Z-ers put it on TikTok, the office isn’t even a vibe.

“With the ability to work from anywhere and for more than just one place, Gen Z-ers are forging their own paths that don’t rely on old patterns set by previous generations and are redefining what “career success” looks like. Gen Z can take note, as more and more leaders are similarly pursuing multiple income streams of their own through the form of a portfolio career. The way in which work looks like and where it happens is evolving.”

With less single-minded focus on one job, some TikTok business gurus advocate shutting your laptops precisely at 5 pm. And then jump onto your side hustle. Do nails or lashes on the weekend. Become social media managers for your phone. Sell soap on Etsy (again … perhaps not in the Fight Club way).

But this valorization of side hustles is not about hustle culture, either. They say job security isn’t guaranteed. Learning new skills and develop an alternate income stream/s to keep you afloat. Just make sure you’re not left in the lurch. BTW inflation is here. So every little bit helps.

But where do you start? Watching TikToks can only get you so far. Try a course on LinkedIn Learning to sharpen up your skills and learn new ones that you can turn into a verifiable side hustle — or leverage in your job search if quiet quitting leads to … real quitting.

Learn on your own time with bite-sized videos or in-depth courses. Watch them after work, before you clock in, or on your lunch break. Then, after your courses are complete, you’ll have certificates prominently displayed on your profile that prove your skills.