Before you spend another dollar today... do this...

The quickest check-in that keeps your holidays fun and protects your savings.

December 10, 2025

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December has a way of getting away from you.
A gift here. A dinner there. A “quick run” to Target that magically becomes $58. 😅

So today, we’re doing a Holiday Spending Spot-Check — a simple mid-week reset to keep your spending healthy and your savings safe.

Let’s get you centered again.

🧾 The Challenge

🔎 The 5-Purchase Holiday Spot-Check

Open your banking app and review your last 5 purchases.

Label each one honestly:

  • Joyful → added real value

  • Necessary → bills, gas, groceries

  • Impulse → bought fast, forgotten faster

  • Oops → you knew it wasn’t needed

If you spot even ONE impulse purchase:

👉 Move $5–$10 into your savings today.

Not to punish yourself.
To balance out the slip and keep your goals steady.

Small resets prevent big regrets.

🔒 The Savings Protection Rule

Once your savings go in, they stay in.

No touching.
No dipping.
No “I’ll put it back later.”

You only use that money for:

✔ Your challenge goal
✔ A true emergency

Nothing else.

This rule protects your progress — especially during a busy holiday month when temptation hits from every direction.

📝 Quick Example

Let’s say your last five purchases look like this:

  • $6 coffee → Impulse

  • $42 groceries → Necessary

  • $19 gift wrap → Joyful

  • $12 Uber → Oops

  • $38 dinner → Joyful

Your “Oops” and “Impulse” line up to $18.

So you simply move $5–$10 into savings today.
That’s it.
Small correction → big control.

🧠 Mid-Week Money Mindset

Most people let December take over.
But you’re doing the opposite — you're checking in mid-week, making tiny corrections, and building real financial wellness while the month is still happening.

This is how confidence grows:
Not from giant moves… but from consistent small ones.

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🐷 Your Move Today

Before the day escapes you:

1️⃣ Do your 5-purchase spot-check
2️⃣ Move $5–$10 into savings if you spot an impulse
3️⃣ Protect your savings — no dipping, no excuses
4️⃣ Reply “RESET” — it locks in your win

You don’t need a perfect December.
You just need a few smart Wednesdays. 💛🐷

💌 PS: December gets noisy — your money doesn’t have to. Protect your savings and enjoy the season peacefully.

— The Piggy Penny Team
Save. Grow. Repeat.

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