🎄➡️🐷 Christmas is over. Let’s get spending back under control.

📩 Today’s edition is brought to you by Westbound & Down Brewing Company.
An award-winning brewery now opening an early-stage investment opportunity as they expand distribution.

Christmas was just a few days ago 🎄

The gifts are opened.
The cards are charged.

Now comes the part that actually matters: regaining control.

Overspending doesn’t mean you messed up — it means your money moved faster than your plan.
So this week, we’re resetting the system.

Here’s the Piggy Penny version of how to stop spending money without feeling restricted.

You don’t stop overspending with willpower.
You stop it with systems.

1️⃣ Give every dollar a job
Money without instructions disappears.
Assign every dollar before you spend it — saving, spending, or buffer.

2️⃣ Identify your spending triggers
Overspending usually starts with a feeling 😵‍💫
Bored. Stressed. Scrolling. Tired.
Name the trigger — awareness changes behavior.

3️⃣ Add friction to spending
Easy spending = more spending.
👉 24-hour rule
👉 Remove saved cards
👉 Leave credit cards at home
Speed bumps beat willpower.

4️⃣ Track everything (especially the small stuff)
Coffee ☕ snacks 🍪 “just this once” buys.
Small expenses don’t stay small when they’re invisible.

5️⃣ Use cash for problem categories
If a category keeps blowing up, stop trusting cards.
Cash adds limits, clarity, and control.

6️⃣ Set one clear money goal
Money behaves better when it has direction 🎯
Emergency fund. Debt. One no-spend category.

7️⃣ Avoid lifestyle creep
More money shouldn’t mean more spending.
Strengthen savings first. Upgrade later.

8️⃣ Stop shopping for entertainment
Scrolling = modern window shopping 📱
If boredom is the trigger, spending becomes the habit.

9️⃣ Plan your fun money
Fun isn’t the enemy — surprise spending is.
Decide the amount. Spend it freely. Stop when it’s gone.

🔟 Delay big purchases
If you don’t need it today, you don’t need it now.
Time kills impulse.

1️⃣1️⃣ Wants vs needs
Needs keep life running.
Wants improve comfort.
Mixing them breaks budgets.

1️⃣2️⃣ Cancel what you don’t use
Subscriptions drain money quietly 🧾
If you won’t miss it, cancel it.

1️⃣3️⃣ Protect money on emotional days
Stressful days lead to careless spending.
Pause. Delay. Don’t browse.

1️⃣4️⃣ Spend with intention, not guilt
Planned spending = peace
Guilt spending = hiding

1️⃣5️⃣ Build margin
Budgets fail without buffer.
Leave room for life.

1️⃣6️⃣ Review weekly
You don’t need perfection — just adjustment 🔄

1️⃣7️⃣ Remember this
Restriction feels punishing.
Control feels empowering.

Before Friday, do only these 4 things:

1️⃣ Assign every dollar for this week only
2️⃣ Identify your #1 spending trigger
3️⃣ Choose one spending speed bump
4️⃣ Track every purchase for 7 days

That’s the reset.

☐ Every dollar has a job
☐ My main spending trigger is written down
☐ One speed bump is active
☐ I’m tracking even the small stuff
☐ I picked one money goal 🎯

If you checked most of these, you’re back in control.

You didn’t ruin your finances with Christmas.
You’re just moving into the next phase.

Control isn’t about cutting joy —
it’s about telling your money where to go before it disappears.

PS: Reply with the one speed bump you’re using this week.
Christmas is done — momentum starts now 🎁➡️💪

— 🐷 The Piggy Penny Team
Save Your Pennies. Make Hundreds.