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| This Week In Your Wallet |
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Let’s hear it for turkey…and cranberry sauce. The prices of these Thanksgiving essentials are actually down this year, 4.5% and 18.3% respectively. According to the American Farm Bureau, the overall cost of Thanksgiving dinner is down from last year’s record high–but only slightly. Thanks to inflation, the meal still has a hefty price tag, with some parts of the country paying more than others. MoneyGeek crunched the numbers and found those in the Seattle-Tacoma-Bellevue, Washington, and Honolulu, Hawaii, metro areas are paying the most with meals averaging $170 or more.
This year, an estimated 182 million consumers are expected to shop in-store and online from Thanksgiving Day through Cyber Monday. That’s according to data from the National Retail Federation, which notes this year’s number of shoppers will be the highest it's ever been since they began tracking data back in 2017. For even the strictest penny pincher, Black Friday and Cyber Monday usually offer sales that appear too good to resist. But our urge to spend is actually rooted in science — there’s a reason we’re driven to snag the best bargains. This week, HerMoney dug into why Black Friday is bad for your wallet…and how to be smarter about the mind games that push you to spend.
Shopping smart on Black Friday, Cyber Monday and let’s be honest, every day in between means knowing a good deal when you see one. In this TikTok, Alex Holtzclaw, a self-described "shopping addict," compiled all the best deals she could find this week. Since Black Friday offers are being updated constantly (and, you know, you can’t believe everything you see on TikTok) HerMoney verified all the deals in the video. While a few of them didn’t exist, some of them were actually better than expected, and we made edits where necessary. We also added coupon codes, dropped in links to all the bargains, and added some of our own favorite deals and steals. |
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| Things That Save You Money |
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You’ve heard about "Small Business Saturday," but what about "Secondhand Sunday?" Launched last year by the resale site Poshmark, Secondhand Sunday encourages holiday shoppers to consider gifting pre-loved goods. Doing so is a win-win for the environment and your wallet. |
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This tip comes from HerMoney reader Melissa. She says: "One of my favorite Black Friday traditions is to unsubscribe from retail emails." Out of sight, out of mind! |
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What’s better than a good deal on Black Friday? Free stuff on Black Friday. Keep an eye on this list from the Krazy Koupon Lady, which is continuously updated as new freebies become available.
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Lastly, a tip from HerMoney CEO Jean Chatzky: "In the era of self-gifting...I've noticed that my favorite restaurants and even local coffee shops offer gift cards at a discount around this time of year. The discounts can be big (50%). We loaded up last year and have been eating at some of our favorite places for half price all year long." |
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| The Last Girlboss With Marisa Meltzer |
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| "Everything with women in the public eye and this double standard is just wild, especially in business." |
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| Whatever happened to the moniker "girlboss?" The term took off after Sophia Amorosa, the creator of the fast fashion outlet Nasty Gal, coined it in 2014. What came after were women following in Amorosa’s footsteps, other "girlbosses" like Audrey Gelman, founder of the women-only social club and networking space the |
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Wing, Tyler Haney of sustainable workout brand Outdoor Voices, and perhaps the most popular of them all, Emily Weiss of the cult-favorite beauty brand Glossier.
On this week’s HerMoney Podcast*, host Jean Chatzky sits down with Marisa Meltzer, author of Glossy: Ambition, Beauty and the Inside Story of Emily Weiss’s Glossier, to unpack how most (if not all) of these girlboss empires have crumbled. One of the reasons Meltzer highlights is that women are held to a much higher standard than men "Everything with women in the public eye and this double standard is just wild, especially in business. Men have to do something really egregious and criminal to be called out and women have to do something so minor as to seem like maybe poor managers, which is about as commonplace as anything."
Listen to the full episode–including the one lesson Meltzer thinks any small business owner or startup founder can learn from Glossier’s story - here. |
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| The HerMoney Podcast is made possible by Edelman Financial Engines |
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| A Retirement Income Guide for Whatever the Future Holds |
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| Volatile markets and a changing economic landscape can put your retirement at risk. Identifying those risks is an important step in optimizing your retirement income. Edelman Financial Engines offers a free retirement income guide that identifies ways to help optimize your retirement income, including strategies designed to adapt to whatever the future brings. Download your free retirement income guide and gain access to resources on the following: |
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Potential risks to your retirement |
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Sources of retirement income |
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5 strategies to help optimize your retirement income |
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How retirement planning fits into your overall wealth plan |
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| Click here to learn more. |
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| Ask Jean |
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My husband and I have been separated for over a year and live 6 hours apart. He's running up credit cards and taking out payday loans. If something should happen to him will I be responsible for those bills? |
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That depends on your definition of separated. Are you just living apart? Or, have you filed for a legal separation. Unfortunately, if you have simply decided to take a break from each other, whether he moved across the country or just across town, you are likely responsible for half of these debts if you divorce (or all of them if he is unable to pay). In the same fashion, marital property (including the assets that you’ve continued to accumulate during the time you’ve been separated) belongs to both of you. If, however, you did file for legal separation, that starts the clock on when both the money you (and he) earn and the debts he (and you) rack up belong to each of you as individuals.
It’s time to talk to a lawyer. You need to think about protecting yourself and your own financial future. This is true even if your ultimate goal is to preserve this marriage. Figure out what steps you need to take now for your own security. Then talk to your husband about looking for a not-for-profit credit counselor who can work with him to stop the cycle of payday loans and repay the other debts he’s incurred. |
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| Submit your questions to Jean here. |
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| Nail Your Next Interview |
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Remember using flashcards to study for *that* big test? Using cards with questions and answers gave us some of our most successful pre-test cramming ever—and we loved seeing that A+ grade! With Career Contessa's Job Interview Flashcards, you can bring that A+ energy to ace your next job interview.
Use these 31 flashcards to prepare for the most common interview questions—and even some of the tougher and unexpected questions. They asked recruiters, hiring managers, and career coaches for some of their favorite (and least favorite) job interview questions!
Never get flustered by interview questions like "Why should we hire you?" or "What would you do in your first 30 days in this role?" Be prepared to talk about your resume, work style, long-term goals, any gaps in your resume, and how you handle critical feedback. Each card includes an interview question to prepare, exclusive tips on answering from our favorite hiring experts, and room to jot down your own notes.
Use these cards to put your best foot forward in your next interview. Get to studying! |
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| Bridging The Female Investing Gap Once And For All |
| Proudly sponsored by |
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Every week, the How She Does It Podcast dives into all things women, money, and power … But the truth is, we can’t talk about women in power without also looking at women’s financial power. Even now, in 2023, women are woefully behind when it comes to investing and realizing the kind of financial freedom that can only come from building wealth.
Many women might want to invest but simply don’t know where to start. They’re willing to save their money, but aren’t as willing to invest their money. It’s true: According to research from BlackRock, more women than men put a higher level of priority on saving money for retirement — 71% of women keep their assets in cash compared to 60% of men. On this week’s How She Does It Podcast, Gargi Pal Chaudhuri, Head of iShares Investment Strategy Americas at BlackRock and host Karen Finerman weigh in on why we continually see this divide, and what we can do to bridge it.
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| We maintain a strict editorial policy and a judgment-free zone for our community. We strive to remain transparent in everything we do. Website posts and newsletters may contain advertisements, links and mentions of products from our partners. Learn more about how we make money. |
The HerMoney podcast is proudly sponsored by Edelman Financial Engines. Unlock your wealth potential with our sophisticated wealth planning. Continue your journey at EdelmanFinancialEngines.com. Sponsored by Edelman Financial Engines – Modern wealth planning. All advisory services offered through Financial Engines Advisors L.L.C. (FEA), a federally registered investment advisor. Results are not guaranteed. T2823971.
HerMoney is not a client, agent, representative or affiliate of EFE.Edelman Financial Engines ("EFE") is a sponsor of the "HerMoney with Jean Chatzky Podcast," created by HerMoney Media. Inc. ("HerMoney") and provides cash compensation to HerMoney Media. HerMoney receives a sponsorship fee from Edelman Financial Engines depending on the number of podcast downloads, as measured by the end of the calendar year. The sponsorship fee is paid on a quarterly basis each year. In turn, HerMoney also provides promotional deliverables regarding EFE on the HerMoney podcast, newsletter, and social media channels. Due to this sponsorship arrangement, HerMoney has an incentive to endorse EFE and its services. |
| **This is a sponsored post |
| BLACKROCK and iSHARES are trademarks of BlackRock, Inc. or its affiliates (together "BlackRock"). The information provided in this communication is solely for educational purposes and should not be construed as advice or an investment recommendation. Any opinions expressed do not necessarily represent the views of BlackRock. BlackRock is not affiliated with HerMoney. |
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