Zach Abraham

The holiday season is supposed to be the most wonderful time of the year, but between gifts, decorations, and travel, it’s easy for spending to get out of control. In fact, the National Retail Federation (NRF) has forecasted that holiday retail sales for 2025 will surpass $1 trillion for the first time, a sign that people are still spending even though many households feel the strain of higher costs and interest rates. Here are some tips and tricks to help you stay organized and enjoy the season without stressing about money.

1. The 50-30-10-10 Holiday Budget Plan

Before shopping begins, take time to create a list of who you’re buying for and set a realistic spending limit for gifts. Gift-giving is an important part of the holidays, but there are plenty of budget-friendly options to help you enjoy the season without guilt or overspending. Breaking down your budget into categories and tracking your expenses is a smart way to stay within your limits. While you should adjust your budget to fit your unique situation, a good starting point is the 50-30-10-10 approach: gifts (50%), parties and dining (30%), decorations (10%), and miscellaneous expenses (10%).

2. Get Creative: Gifting And Décor

You can save money while giving thoughtful gifts and making your home festive without overspending. Try DIY projects by crafting your own gifts or decorations or upcycle items you already have. Shopping secondhand or thrifting can uncover unique presents and décor items. You can also swap decorations with friends and family, reuse items from previous years, or even regift (which works especially well for versatile items like gift cards). With a little creativity, you can make both your gifts and your space intentional and memorable on a budget.

3. Meaningful Gifting

Sometimes memories and experiences hold more value than material gifts, depending on the person you’re giving to. Consider planning a family outing, hosting a cozy movie night or holiday baking day, or gifting an experience such as tickets to “The Nutcracker,” a local concert, or a day of ice skating. You can also give practical gifts that make experiences possible, such as travel gift cards or airline miles for family members or friends who visit from out of town. This thoughtful approach helps prioritize connection and shared joy over consumption.

4. Wrap Thoughtfully, Waste Less

This isn’t about being a penny pincher; it’s about being intentional with your spending and gifting with care, consciousness, and common sense. Did you know roughly 2.3 million pounds of wrapping paper end up in landfills every year? Instead of spending on gift wrap that will end up in the trash, look for stores that offer free wrapping services or gift boxes, and reuse packaging whenever possible. Many retailers even offer prepackaged gift specials that save time and waste. You can also get creative with wrapping by using newspapers, repurposed tissue paper, or other materials you already have at home. A fun and budget-friendly idea for families is to buy a roll of kraft paper for the kids to decorate, or to use their existing artwork as a personal and memorable gift wrap.

5. Use Cashback Offers, Credit Cards, and Reward Points

Stretch your holiday budget by using credit card points, loyalty points, frequent flier miles, or gift cards. Instead of spending cash, you would be tapping into rewards and resources you’ve already earned. Using cashback credit cards or shopping on cashback sites is a great way to ensure you’re getting something back when you spend. This strategy works best for those who already use credit cards responsibly and want to maximize the benefits of their spending. Just be sure to pay your credit card in full when it’s due to avoid interest charges or late fees.

6. Wallet-Friendly Celebrations

Consider hosting a potluck dinner where everyone contributes a dish or plan a gift exchange such as Secret Santa or a White Elephant party to ensure everyone receives a gift while keeping costs low. If you’re hosting, think about borrowing supplies like tables, chairs, and serving items instead of renting or buying them. And, if you don’t have any plans but want to have fun or get active in your community, look into local free events such as church-sponsored events, concerts, or holiday parades. You can usually find information on community boards, local news sites, or social media.

7. Stay Proactive Throughout The Year

Avoid the stress of last-minute buying by planning ahead and staying proactive. Even with a budget in place, it’s easy to lose track during the hectic holiday season. Monitoring your spending and setting aside money throughout the year helps you stay accountable and on track. For example, if you save $50 each month, by December you’ll have $600 dedicated to holiday spending. You can even automate this process with direct transfers to a holiday savings account. Starting your shopping early also helps spread out expenses and take advantage of seasonal sales for significant discounts. By saving and shopping throughout the year, you’ll reduce financial stress and be better prepared for the holidays.

Being prepared for holiday expenses means focusing on what truly matters and being intentional with your spending. By setting limits, shopping smart, planning ahead, and prioritizing meaningful purchases, you can create lasting memories and enjoy the holiday season without financial stress or regret.

Sources:

https://finance.yahoo.com/news/us-retail-growth-signals-upbeat-092656778.html

https://www.forbes.com/sites/truetamplin/article/holiday-budget/

https://www.fidelity.com/learning-center/smart-money/holiday-budgeting

https://www.msn.com/en-us/money/personalfinance/how-to-budget-for-a-stress-free-christmas-this-year-12-practical-tips/ss-AA1vCd93

https://www.focusonthefamily.com/parenting/christmas-on-a-budget-9-easy-money-saving-holiday-tips/

https://www.minted.com/lp/christmas-preparation-checklist

https://raleighnc.gov/landfill-and-reuse/news/take-steps-decrease-holiday-waste

This article is for general information purposes only and is not to be relied upon for financial advice. In every case, you should seek the advice of qualified tax, financial and legal professionals to ensure that a life policy is advisable based on your unique circumstances.

Guarantees are provided by insurance companies and are reliant upon the financial strength and claims-paying ability of each individual insurance carrier issuing a life insurance contract.

Life insurance requires medical underwriting; therefore, not everyone will be able to purchase a life insurance policy. Life insurance policies can be complex, and it is recommended that you work with a professional to examine policy terms.

Investment Advisory Services offered through Trek Financial LLC, an investment adviser registered with the Securities Exchange Commission. Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed, and past performance is no guarantee of future results. For specific tax advice on any strategy, consult with a qualified tax professional before implementing any strategy discussed herein. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. Trek 25-349

What was once a simple night of costumes and handmade treats has become a multi-billion-dollar industry. In fact, Americans spent nearly $12 billion on Halloween in 2024, and $3 billion of that went to candy alone. Since individually wrapped treats became the standard in the 1950s, Halloween candy has only grown in scale and spectacle. Today, large retailers like Walmart and Target stock massive assortments and bulk buying is the norm. But it isn’t just about cost and convenience, candy trends have shifted with each generation. Here is a look at how Halloween candy has evolved through the decades.

Sweet Beginnings: Pre-1950s

What came first, candy or Halloween? Believe it or not, ancient civilizations were enjoying honey-based confections long before Halloween traditions developed. Still, the modern candy era didn’t take shape until Joseph Fry debuted the first molded chocolate bar in 1847. Candy Corn, Wrigley’s Chewing Gum, and Tootsie Rolls soon followed, and by 1900, Hershey’s Milk Chocolate bar hit the market (selling for 5 cents per bar).  The cocoa and sugar craze led the candy industry to focus on basic mixtures like chocolate, caramel, and peanuts.

The roaring ‘20s introduced classics like Baby Ruth, Mounds, Milky Way, and Reese’s Peanut Butter Cups and the 1930s added Snickers, 3 Musketeers, and Tootsie Roll Pops to the mix. The confectionary boom continued into the 1940s with the invention of M&Ms, although the candy-coated pieces didn’t receive their iconic “M” stamp until 1950. These candies became household names and continue to dominate candy culture today, feeding the American sweet tooth. But the candy world wasn’t destined to stay sweet and simple.

The Rise of Fruity Flavors: 1950s & 1960s

Candy and Halloween became synonymous in the 1950s. Postwar suburban life encouraged trick-or-treating, and candy companies took advantage of the commercial opportunity by actively marketing kid-friendly, individually wrapped candies specifically for handing out. Although children continued to enjoy confectionery sweets, from enduring classics to once-popular treats like the Abba-Zaba taffy bar with its peanut butter center, American culture soon ushered in a more playful attitude. Bolder colors brightened everything from fashion to the candy aisle. Fruzola, a recent invention, was a fruit-flavored powder originally intended to be mixed with water to make a sweet drink. But kids had other ideas. They started downing the sugar straight from the packet, leading to the creation of the iconic Pixy Stix, six-inch paper tubes containing a variety of flavors like grape, orange, and cherry.

In the 1960s, fruit-flavored candy reigned supreme. Americans were introduced to Now & Later fruit chews, Lemonheads, SweeTarts, and one candy that remains in the top 10 most popular Halloween candies to this day: Starburst, originally sold under the name, “Opal Fruits,” in the original flavors of strawberry, lemon, orange, and lime, which are still available today. The name change was intentional, relating to the Space Race between the Soviet Union and the U.S. and resonated better with a global audience.

The Rise of Sour and Tangy Treats: 1970s & 1980s

Often considered the golden age for candy, the 70s and 80s brought television commercials with catchy jingles and playful characters that established an emotional connected with children. Fruit-flavored candies still prevailed in the 1970s with the introduction of Skittles, and the Reese’s Peanut Butter Cup gained even more fame with the release of Reese’s Pieces. The true innovation was the emergence of candy you could play with. The unique and explosive experience of Pop Rocks made it an instant sensation and Ring Pops quickly became a favorite among kids who loved the idea of edible jewelry.

Airheads hit the market in the 1980s, becoming a popular choice among candy lovers who appreciated a balance of sweet and sour. Sour Patch Kids also arrived at the scene, influenced by both the sour and sweet trend and the success of Cabbage Patch Kids. Additionally, Trolli gummy worms were released and featured in the blockbuster Ghostbusters, which helped it rise to fame. Candy innovation hit a peak with the launch of Nerds, which distinguished itself by its packaging and taste profile.

Extreme Flavors and Sensory Experiences: The 1990s & 2000s

These notorious decades were known for their over-the-top extremes. Although Warheads were created in Taiwan in the 70s, they were introduced to U.S. markets in the 90s and quickly became a defining part of the 90s culture. Caramel Apple Pops released and became one of the most-desired Halloween candies displaying a color similar to Nickelodeon’s iconic green slime, which was a symbol of kids’ entertainment. Gushers and Baby Bottle Pops were other notable candies that centered on delivering a sensory experience and multi-layered flavor profile.

By the 2000s, the Harry Potter series had become a cornerstone of global pop culture. Capitalizing on its immense popularity, Jelly Belly launched Bertie Bott’s Every Flavor Beans, a famous treat from the wizarding world brought in an interactive form for readers. Although the ongoing publication of the books helped keep the buzz alive, it was the blockbuster film adaptations that amplified commercial impact and cemented the jellybeans into the franchise culture.

Next-Gen Candy: 2010s & 2020s

Previous decades have pushed the candy industry to innovate at record speed, responding to pop culture moments and digital influence faster than ever before. A prime example is the 2018 U.S. debut of Kinder Surprise, also known as the Kinder Egg, a globally beloved chocolate egg with a mystery toy inside that gained popularity from social media. Its release was highly anticipated, and since then, Kinder has remained successful in making their treats more appealing by launching exclusive editions featuring brand collaborations with Paw Patrol, Harry Potter, and even the NBA.

Halloween candy aisles now showcase a mix of nostalgic classics and attention-grabbing new treats, proving that even today, the focus is as much about the experience as it is about the taste. Yet through all these changes, one thing remains constant: whether it’s a chocolate bar or a lip puckering sour treat, candy continues to be at the heart of the holiday.

Sources:

1. https://candyflossmagazine.com/when-were-nerds-candy-invented/
2. https://www.history.com/articles/iconic-american-candies
3. https://www.fox13news.com/news/a-history-of-halloween-candy-trends-and-costs-through-the-years
4. https://www.bhg.com/halloween-candy-timeline-11796557
5. https://www.lovetoknow.com/celebrations/halloween/why-do-you-hand-out-candy-halloween
6. https://www.statista.com/statistics/275726/annual-halloween-expenditure-in-the-united-states/
7. https://candyloversemporium.com/where-to-buy-abba-zaba-candy-bar/
8. https://historyofcandy.com/pop-rocks/
9. https://sugarhighcandies.ca/blogs/news/top-candies-of-each-decade-from-the-1900s-to-2020
10. https://csnews.com/bertie-botts-every-flavor-beans
11. https://www.dailymail.co.uk/femail/article-4556642/Kinder-Eggs-set-release-January-2018.html

Disclosure:

Investment Advisory Services offered through Trek Financial LLC, an investment adviser registered with the Securities Exchange Commission. Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed, and past performance is no guarantee of future results. For specific tax advice on any strategy, consult with a qualified tax professional before implementing any strategy discussed herein. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. Trek 25-342

There’s nothing like the excitement of game day! But after spending money on tickets, transportation, food, drinks, and apparel, the costs can add up fast. Whether you prefer heading to the stadium, catching the action at a sports bar, or hosting your own watch party at home, there are plenty of ways to enjoy your favorite team without breaking the bank. We’ve put together a quick guide for all options when it comes to having a good time while still staying within your budget.

At the Stadium

The journey of a game day starts with buying your tickets. If you’re flexible, consider waiting until the last minute to purchase because resale sites like SeatGeek or StubHub often offer steep discounts right before kickoff. Don’t forget to check for group discounts, student rates, or military deals that many teams offer. To stretch your dollars even further, you can use cash-back or rewards apps like Honey when purchasing.

Once your tickets are secured, it’s time to plan your trip to the stadium. Parking can be expensive, so carpooling with friends is a great way to split the cost of gas and parking. With a little research, you might even find free or cheaper parking zones a short walk from the stadium. Depending on your budget and willingness to walk, consider taking public transit like local buses or trams.

Before the game, try organizing a tailgate with friends. Bringing your own food and drinks not only keeps costs down but also adds to the fun of game day. Sharing supplies helps to ensure everyone contributes and no one overspends. If tailgating isn’t an option, check the stadium’s rules because some venues allow you to bring in small snacks or empty water bottles, which can help you avoid the high prices of stadium concessions.

Watching the Game Out

Sports bars fill up quickly on game day, so if you can, reserve a table early to grab a good seat. Always check for game day deals at your favorite bars and restaurants. Many extend happy hours, offer food and drink specials, or even give discounts if you show up in team gear. With so many places now hosting their own watch parties to attract fans, look for bars that support your team to enjoy the full experience. Local breweries, in particular, tend to offer better prices and a team-spirited atmosphere. To make your outing even more budget-friendly, once again, use rewards apps or cashback credit cards for your purchases and split the cost of food and drinks with friends.

Hosting a Watch Party

Staying home to watch the game is almost always the most affordable option. Start by deciding what foods are your favorite like wings, sliders, or big batches of tacos, chili, or bean dip. Then make a shopping list and buy in bulk from warehouse stores like Costco or Sam’s Club. This helps you save money while ensuring you have plenty for everyone. You can even invite friends to bring their favorite game day dish, turning your gathering into an affordable potluck. Instead of stocking a full bar, prepare one or two signature drinks in big pitchers or a large punch bowl.

As you set up, add a personal touch by making your own decorations. Use construction paper, paint, or print out team logos to create a festive atmosphere. Don’t buy new party supplies; instead, ask if you can borrow folding chairs, tables, or coolers from friends or neighbors, and repurpose household items for serving and seating. Once everything is ready, all that’s left is to relax and enjoy the game!

Football season is all about coming together and making memories no matter what your budget is. With a little creativity and planning, you can make the most out of game day without missing any of the action. Gather your friends, put on your team colors, and get ready to cheer without the financial penalty flag!

Sources:

https://fangirlclothing.com/blogs/news/game-day-on-a-budget-a-complete-money-saving-guide?srsltid=AfmBOopTrjq5xOiHNHBdWihum3IZNXkY0vg2j7fGOjxYSlb3GWCKKHle

Disclosure:

Investment Advisory Services offered through Trek Financial LLC, an investment adviser registered with the Securities Exchange Commission. Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed, and past performance is no guarantee of future results. For specific tax advice on any strategy, consult with a qualified tax professional before implementing any strategy discussed herein. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. Trek 25-318

Just as balance is key to a successful financial portfolio, it is also essential in your meals, combining the right nutrients to fuel your energy and well-being. The 2025 Viral Cottage Cheese Sweet Potato Beef Bowl has taken the internet by storm, earning glowing reviews from dietitians and everyday eaters alike, quickly becoming a favorite among all demographics. Here’s the simple recipe for achieving the perfect balance of flavor and nutrition.

What you’ll need

3 medium-sized sweet potatoes – diced into cubes

1 lb lean ground beef

2 cups cottage cheese

1-2 tbsp olive or avocado oil

2-3 fresh avocados – diced or sliced

Hot honey

1/3 cup of water – if needed

3 tbsp taco seasoning – homemade or store bought

Seasonings of your choice – salt, black pepper, and cinnamon

Viral Cottage Cheese Sweet Potato Beef Bowl

1. Prep: Preheat your oven to 425 °F.
2. Bake sweet potatoes: Peel and wash the sweet potatoes, then cut into cubes. In a large bowl, combine olive oil, cubed sweet potatoes, and seasonings of your choice (salt, pepper, and a touch of cinnamon). Spead onto a baking sheet and bake for 25 to 30 minutes, or until potatoes are fork-tender, flipping them halfway through.
3. Make the taco beef: In a skillet, brown the ground beef over medium heat. Drain any excess grease, then add taco seasoning. If needed, add a bit of water for extra moisture. Set aside.
4. Build your bowl: Add sweet potatoes, taco-seasoned ground beef, cottage cheese, and fresh avocado. Garnish with a drizzle of hot honey—and enjoy!

This viral recipe lives up to the hype, having the potential to become a classic staple in households everywhere. With protein-packed beef and cottage cheese at its core, it delivers the perfect blend of creamy, spicy, sweet, and savory. The balanced textures keep each bite interesting, and the quick prep makes it ideal for busy weeknights or weekend meal prep. Though perfect year-round, this recipe is a delicious way to wrap up summer with a meal that’s simple, satisfying, and smart.

Sources:

https://myproteinpantry.com/hot-honey-ground-beef-bowls/

https://www.5boysbaker.com/viral-cottage-cheese-sweet-potato-ground-beef-bowls/

Investment Advisory Services offered through Trek Financial LLC, an investment adviser registered with the Securities Exchange Commission. Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed, and past performance is no guarantee of future results. For specific tax advice on any strategy, consult with a qualified tax professional before implementing any strategy discussed herein. The content is developed from sources believed to be providing accurate information; no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability, or usefulness of any information. Consult your financial professional before making any investment decision. Trek 25-293