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Sending You Warm December Wishes ☕

Sending You Warm December Wishes ☕

December 01, 2023

Happy December! As we find ourselves reflecting on the moments that made this past year special, we extend our warmest wishes to you and your loved ones during this festive season.

Winter is here or will be soon, depending on how you define the seasons. Meteorologists break the seasons into three-month segments based on the annual temperature cycle and our calendar. Meteorological winter starts on December 1st. If you follow astronomical seasons, which are based on the rotation of the Earth around the sun, winter begins with the winter solstice onDecember 21st. Up until the winter solstice, we can expect to lose two minutes of sunlight each day this month. Once the solstice arrives, the days will start to get longer - good news for those of us longing for more daylight!

Travel is expected to be popular this holiday season, especially after the surge in trips this past summer. However, most consumers aren’t expecting to venture far from home - 60 percent reported planning to travel within their state for the holidays. 🚗  Another 18 percent of consumers say they will celebrate the holidays abroad. The most popular international destinations this season are (no surprise!) warmer locations, such as Mexico, Central America, and the Caribbean. 🏝

Many people are focused on finding THE perfect gifts for their loved ones with the holidays approaching. However, more than a quarter (about 27 percent) of people say they will take on debt for holiday purchases. Here are four tips from Nerdwallet on how you can keep from falling into debt this holiday season:

  • Plan your budget ahead of time. Writing out lists for gifts and meals before shopping can help you stay focused and within budget.
  • Watch out for smaller costs that may add up. Consider reusing gift wraps and keeping your holiday meals simple.
  • If you get into holiday debt, plan to pay it down at the start of the new year.
  • Start thinking about next year now. Decide how much money you can set aside for next year’s gifts and take advantage of sales throughout the year.

Looking for a way to spread the cheer of the holiday season? Start your holiday cookie baking early by celebrating National Cookie Day on December 4th! 🍪 Break out your favorite tried-and-true recipe or try one of these 50 delicious options. Whether homemade or store-bought, the gift of cookies is almost guaranteed to be a hit – roughly 95% of Americans indulge in at least one cookie each month. If you need inspiration for which cookie to gift, check out this fun map to see where some of the most popular cookies are consumed.

December ushers in many moments to celebrate, including three major holiday observances: Hanukkah (starts at nightfall on December 7th and ends with nightfall on December 15th), Christmas (December 25th), and Kwanzaa (December 26th through January 1st). This time of year can bring a range of emotions, from excitement and joy to loneliness and anxiety. If the holidays don’t bring you joy, stepping back is OK. Try some of these helpful tips to help you cope with the season’s demands.

As 2023 comes to a close, we want to express our heartfelt gratitude for having the opportunity to partner with you this year. In the coming year, we will be here to guide you through any changes in your financial situation and ensure your strategy remains aligned with your goals. If you have any questions or anything specific you’d like to discuss, don’t hesitate to reach out. We wish you a joyful holiday season and prosperous new year!