Ever wondered why budgeting fails during the holidays?

It’s not because you’re bad with numbers — it’s because spending is emotional.

In this episode, Capt. Chris Cervantes breaks down the psychology behind holiday overspending using research from Harvard, Stanford, and behavioral economics.

You’ll learn:
🧠 Why 90% of money decisions are emotional
🎄 How guilt, nostalgia, and pressure affect spending
📱 The dopamine trap of online shopping & social media
💳 Why “deserve ko ‘to” thinking is dangerous
🔑 Science-based ways to regain control without feeling deprived

If you want to enjoy the holidays without financial regret in January, this episode is for you.

You may also attend my webinar, register here to secure your slot:
https://cardinalbuoy.com/seminars/

#GuidingYou #PlanadongBuhay #PsychologyOfSpending #HolidayMoney #FinancialFreedomPH #WeAreCBF #aiaphilippines