Deacon Hayes

Investing $100 into an S&P 500 index fund: • $7.12 in Apple • $6.53 in Nvidia • $6.24 in Microsoft • $4.12 in Amazon • $2.62 in Meta • $2.24 in Google • $2.24 in Tesla • $2.12 in Broadcomm Plus $69.01 into 492 other top US Companies.

Top 3 Financial Habits to Start in 2025 1. Automate your savings and paying bills 2. Create a budget and review it at least once per month 3. Investing regularly regardless of the market conditions The right habits, even if small, can have a massive impact over time.

A10: When it comes to holiday shopping, do these three things: 1. Set a budget 2. Make a list of people to buy gifts for 3. Use tools to compare prices at different retailers If you do this, you are likely to stay on budget and get some great deals at the same time! #creditchat

A9. Make a list of items you want ahead of time and only buy items on that list. That way, if you see an ad or an influencer promoting something not on your list, you can refer to the list. If the item is not on the list, stay strong and resist the purchase. #creditchat

A8: One way to be generous and not go over budget is to make thoughtful hand-crafted items for your loved ones. #creditchat

A7: One way to stay on budget is to use the Cash Envelope System for your holiday shopping. If you set a budget for $600 for gifts, put that amount of cash inside an envelope marked “Gifts.” Then, only buy gifts with the cash. This will help you to not overspend. #creditchat

A6: Using apps like Rakuten or Fetch is a great way to get cash back on your holiday shopping. #creditchat

A5: I like to use tools like Camel Camel Camel to see historical prices and PayPal Honey to compare current prices at different retailers. #creditchat

A4. Make a list of all the people you need to buy gifts for. Then, make sure you have a budget set for your holiday shopping. For instance, if you have $600 for gifts and 6 people to shop for, then you know you can spend about $100 per person. #creditchat

A3: We set a budget of $600 per year for gifts, so we set aside $50 per month in our budget. This way, when the holiday shopping arrives, we have the cash to buy the items we want. #creditchat

A2: Research the prices of items you want to purchase before the sale. Some sales might not offer much of a discount. Use a tool like CamelCamelCamel for Amazon to check the historical prices of the item before you buy it. #creditchat