{"id":4841,"date":"2025-11-11T08:59:34","date_gmt":"2025-11-11T14:59:34","guid":{"rendered":"https:\/\/www.beyondfinance.com\/newsroom\/?p=4841"},"modified":"2025-11-12T16:31:37","modified_gmt":"2025-11-12T22:31:37","slug":"the-high-cost-of-holiday-cheer-65-of-americans-cant-tell-how-much-is-safe-to-spend-this-holiday-season","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/newsroom\/the-high-cost-of-holiday-cheer-65-of-americans-cant-tell-how-much-is-safe-to-spend-this-holiday-season\/","title":{"rendered":"The High Cost of Holiday Cheer: 65% of Americans Can\u2019t Tell How Much Is Safe To Spend this Holiday Season"},"content":{"rendered":"\n<p class=\"has-text-align-center\"><strong><em>New survey finds two-thirds of Americans feel cultural pressure to overspend\u00a0amid rising financial challenges, \u201cguilt-giving,\u201d and \u201cFOMO-spending\u201d<\/em><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><em>Financial anxiety, social pressure, and emotional spending are<\/em><\/strong> <strong><em>driving Americans deeper into stress and debt<\/em><\/strong><\/p>\n\n\n\n<p>The holidays may sparkle, but for millions of Americans, they also bring deep financial anxiety and emotional strain. In a new national survey commissioned by <a href=\"https:\/\/www.beyondfinance.com\/\">Beyond Finance<\/a>, 65% of the 2,000 respondents said it\u2019s nearly impossible to know how much they can safely spend this season, while two-thirds (66%) say there\u2019s an unhealthy cultural pressure to buy gifts even when they can\u2019t afford to.<\/p>\n\n\n\n<p>That pressure has fueled a rise in what experts call \u201cguilt-giving,\u201d the act of spending out of obligation rather than desire, and \u201cFOMO-spending,\u201d where social comparison and digital influence drive impulsive purchases. The result is a complex emotional and financial landscape that leaves many consumers stressed, overspent, and second-guessing their choices.<\/p>\n\n\n\n<p>This year, 52% of Americans admit they\u2019ve already bought or plan to buy at least one gift purely out of obligation, spending an average of over $250 on gifts that bring more guilt than joy. Younger generations and families feel this burden the most: Gen Z (64%) and millennials (66%) lead in guilt-giving, compared to 50% of Gen X and just 30% of baby boomers. Parents of children under 18 are the most affected, with 76% admitting to guilt-giving, compared to 44% of non-parents.<\/p>\n\n\n\n<p>Key findings from Beyond Finance\u2019s 2025 holiday survey:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cultural Pressure to Spend:<\/strong> 66% say there\u2019s unhealthy societal pressure to buy holiday gifts; 29% cite family expectations, 26% feel pressure to reciprocate, and 25% blame marketing and things like gift hauls, gift guides, and \u201cwish list culture,\u201d which promote the idea that buying gifts equates to caring for others.\u00a0<\/li>\n\n\n\n<li><strong>Credit Cards Keeping the Season Afloat:<\/strong> 54% of those who have already overspent, or anticipate overspending on their holiday budgets, are putting holiday expenses on credit; 35% have accumulated holiday debt in years past and 31% expect to take on new or more debt this year for holiday expenses.<\/li>\n\n\n\n<li><strong>Budget Breakdown:<\/strong> Only half (51%) of respondents have created a holiday budget; of those, nearly two-thirds (64%) have already overspent or anticipate doing so.<\/li>\n\n\n\n<li><strong>Economic Anxiety Runs High:<\/strong> 65% say it\u2019s \u201cnearly impossible\u201d to know how much to safely spend this year.<\/li>\n\n\n\n<li><strong>Social Media\u2019s Influence:<\/strong> Nearly one in five (19%) admit to buying gifts or trips mainly to post about them online, while 22% purchased trending gifts they later regretted.<\/li>\n\n\n\n<li><strong>Relationship and Emotional Strain:<\/strong> Nearly a quarter of those in relationships have hidden or plan to hide holiday expenses from their partner \u2014 often by using cash or downplaying prices.<\/li>\n\n\n\n<li><strong>Sacrificing Essentials:<\/strong> Over 60% say they\u2019ve delayed other purchases to afford holiday expenses, including cutting back on dining out (25%), saving (21%), or even groceries (19%).<\/li>\n\n\n\n<li><strong>Emotional Fallout:<\/strong> Many feel financial anxiety during the holidays, experiencing stress (24%), frustration about not being able to find gifts in their price range (18%), and guilt about not purchasing presents (13%), underscoring the link between emotional and financial stress.<\/li>\n<\/ul>\n\n\n\n<p>\u201cThe financial anxiety we\u2019re seeing isn\u2019t just about economic uncertainty \u2014 it\u2019s about complex and deeply-rooted emotions,\u201d said Dr. Erika Rasure, chief financial wellness advisor at Beyond Finance. \u201cPeople feel torn between wanting to create joy and the guilt of knowing they can\u2019t afford it. When cultural norms, family traditions, and social media all amplify that pressure, overspending becomes emotional, not rational.\u201d<\/p>\n\n\n\n<p>Beyond Finance\u2019s survey findings highlight that financial pressure is as much psychological as it is economic. As costs rise and expectations mount, the company\u2019s integrated approach combining debt consolidation, financial therapy, and financial education aims to help people rebuild both their financial and emotional health.<\/p>\n\n\n\n<p>\u201cPeople don\u2019t set out to overspend during the holidays. They want to connect, to make others happy, to participate,\u201d said Lou Antonelli, chief operating officer at Beyond Finance<strong>.<\/strong> \u201cBut that generosity often turns into guilt and regret. We believe financial and emotional wellness can go hand in hand, and empower consumers to make choices rooted in peace, not pressure, so the holidays can be about meaning \u2014 not money.\u201d<\/p>\n\n\n\n<p>To help consumers this holiday season, Dr. Erika Rasure offers the following tips:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Talk About Money Early &#8211; <\/strong>Start conversations with family and friends about spending expectations <em>before<\/em> shopping begins. Setting boundaries early reduces guilt, stress, and overspending, and opens the door to shared values like \u201cpresence over presents.\u201d<\/li>\n\n\n\n<li><strong>Pause Before You Purchase &#8211; <\/strong>Notice emotional triggers \u2014 stress, joy, pressure, nostalgia \u2014 that drive impulse spending. Step back, breathe, or close the shopping tab for a day before deciding. Awareness is the antidote to overspending.<\/li>\n\n\n\n<li><strong>Give Yourself Permission to Say \u2018No\u2019 &#8211; <\/strong>Saying \u2018no\u2019 to group gifts or pricey plans isn\u2019t selfish \u2014 it\u2019s financial self-care. Protect your peace and your wallet; you decide how to spend, not social pressure.<\/li>\n\n\n\n<li><strong>Define Your Seasonal Values &#8211; <\/strong>Decide what matters most this holiday season and let those values guide your spending. Financial well-being starts with emotional clarity.<\/li>\n\n\n\n<li><strong>Make Gifts Meaningful &#8211; <\/strong>Replace guilt-giving with intentional giving. Thoughtful, creative, or homemade gifts often create more connection than expensive ones.<\/li>\n\n\n\n<li><strong>Reflect and Reset &#8211; <\/strong>Keep a holiday money journal to track what brought joy \u2014 and what didn\u2019t. Use it as a guide to reset your financial habits and emotional priorities for the new year.<\/li>\n<\/ul>\n\n\n\n<p>Since 2011, Beyond Finance has helped more than 1 million people, resulting in over $3 billion of client debt being paid off. Through personalized debt consolidation plans, free financial therapy sessions, and innovative tools, the company equips clients to break the cycle of debt, create healthier financial habits, and achieve lasting financial freedom.<\/p>\n\n\n\n<p>This survey was commissioned by Beyond Finance and conducted by Talker Research, a third-party research company, from October 14, 2025 through October 24, 2025 with a sample of 2,000 Americans who will celebrate a winter holiday in 2025.&nbsp;&nbsp;<\/p>\n\n\n\n<p>For more information on Beyond Finance\u2019s commitment to financial wellness and its transformative debt consolidation services, visit&nbsp;<a href=\"https:\/\/www.beyondfinance.com\/blog\/\">https:\/\/www.beyondfinance.com\/blog\/<\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>About Beyond Finance<\/strong>Beyond Finance, LLC, is the nation&#8217;s largest debt consolidation company. In its commitment to providing clients with a personalized approach to move beyond debt, Beyond Finance provides simple and transparent solutions that help consumers lower their monthly payments, reduce the impact of interest, and reach a debt-free life sooner. Beyond Finance holds an A+ rating with the Better Business Bureau and has been awarded with multiple recognitions for its commitment to clients:&nbsp;Organization of the Year &#8211; The Business Intelligence Group&#8217;s Excellence in Customer Service Award, Gold Stevie Award for Outstanding Customer Service Department, Banking Tech Award &#8211; Financial Wellness Champion, and 3 ConsumerAffairs&#8217; &#8220;Buyer&#8217;s Choice Awards.&#8221; Beyond Finance has offices in Chicago, Atlanta, and Houston. For more information, visit&nbsp;<a href=\"http:\/\/beyondfinance.com\">BeyondFinance.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The holidays may sparkle, but for millions of Americans, they also bring deep financial anxiety and emotional strain. In a new national survey commissioned by Beyond Finance, 65% of the 2,000 respondents said it\u2019s nearly impossible to know how much they can safely spend this season, while two-thirds (66%) say there\u2019s an unhealthy cultural pressure to buy gifts even when they can\u2019t afford to.<\/p>\n","protected":false},"author":28,"featured_media":4842,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-4841","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-releases"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The High Cost of Holiday Cheer: 65% of Americans Can\u2019t Tell How Much Is Safe To Spend this Holiday Season - Beyond Finance Newsroom<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.beyondfinance.com\/newsroom\/the-high-cost-of-holiday-cheer-65-of-americans-cant-tell-how-much-is-safe-to-spend-this-holiday-season\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The High Cost of Holiday Cheer: 65% of Americans Can\u2019t Tell How Much Is Safe To Spend this Holiday Season - Beyond Finance Newsroom\" \/>\n<meta property=\"og:description\" content=\"The holidays may sparkle, but for millions of Americans, they also bring deep financial anxiety and emotional strain. 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