Hi! 👋🏽 👋🏽

Welcome to the UNSTUCK[MONEY] newsletter!

December always brings the same tired demands: spend more, do more, and smile through the chaos. Not this year. This year, you’re stepping in with control.

You’ve spent 2025 making smarter money moves and showing up for yourself in ways you probably don’t even give yourself credit for. This issue is here to help you protect that progress—not let it disappear in a haze of sales, stress, and swipe-happy decisions.

We’re diving into revenge saving — not the petty version, but the powerful version. Saving because you’re done letting money run the show. Saving because you’re building freedom, not fighting your past.

Once you’ve claimed this sense of financial power, it’s time to put it to work for your future. We’ll break down fractional investing, because wealth building doesn’t require thousands of dollars. It requires clarity, consistency, and the confidence to take the first step. If investing has felt intimidating, this will make it feel doable, steady, and absolutely within reach.

With your investment questions addressed, we’ll move on to the season’s emotional tug-of-war — gift-giving. Since the holiday season can drain your joy and bank account, we’ll finish with a guide to holiday gifts that hit the heart, not your wallet. Thoughtful and meaningful can stay stress-free.

I also pulled together the most shared and most helpful articles of the year—the ones that resonated, sparked conversations, and actually made a difference. So, they're worth that second look at strategies you can use right now. Consider it your personal highlight reel and a reminder that your financial foundation is stronger now than it was in January.
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And — thank you for being here. You open these emails, you reflect, you take action, and it shows.

That’s the mission of Urban Money Budgets: giving you tools, clarity, and support so your financial life feels lighter, steadier, and fully in your control.

If this issue hits home, forward it to a friend, coworker, or family member who cares about improving their finances. Share the encouragement and invite others to join us on this journey.

And if you want to stay connected between newsletters, come hang out with us on social — I share real-time guidance you won’t see anywhere else. You can find Urban Money Budgets on Facebook, Instagram and Threads.

Your engagement keeps this community growing, and your progress is why this work matters.
Thanks for being here — truly.

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Merry Christmas 🎄 and Happy Holidays!
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Founder, Urban Money Budgets

Holiday Gifts 🎁 That Hit the Heart — Not Your Wallet Shifting to intentional gifting lets you give in ways that feel richer and more personal while spending dramatically less. ​ The key is removing the holiday markup and replacing it with meaning. The right gifts can help you do that. ​ Read the article

Revenge Saving: When Being Petty Pays Off (Literally) Instead of using money to soothe or make a statement through purchases, revenge saving channels that same surge of emotion into aggressively building financial stability. ​ Read the article

Fractional Investing: Rebel-Friendly Wealth Building Fractional investing is what happens when Wall Street finally admits not everyone has a spare $500, $1,000, or $3,000 to buy a single share of a company they believe in. ​ Read the article

Worth a Second Look

UNSTUCK[MONEY] launched in April —and y’all didn’t just read, you shared. Here’s a look at the articles that hit hardest in 2025.

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Wrap Up 2025: Step into 2026 Financially Ready The last stretch of the year has a way of speeding up. Now is the moment to pause and reset. Not by overhauling everything, but by tightening what’s already in motion. Read the article

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Stop Ghosting Your Bills: Confronting the Mail that Haunts Your Inbox Money mail anxiety is the deep, gnawing fear of opening anything that might confirm your worst financial fears. ​ Read the article

​ Financial Trauma: How Money Messes With Your Head Let’s be real for a second: money trauma is one of the most common, most ignored, and most misunderstood forms of psychological pain out there. ​ Read the article

​ Hidden College Charges That'll Gut Your Wallet You’ve earned your spot. But now, just when you think the hard part is over, the college tuition bill hits—and suddenly, you’re staring at thousands of dollars in mysterious and expensive college charges. ​ Read the article

​ Book Travel Without a Credit Card Credit cards are the grease that keeps the travel industry moving. But if you don’t have one, booking travel doesn’t have to stop before it starts.. Read the article

​ If You See It Coming and Still Go Broke, That’s on You Vacations, car repairs, holidays—you knew they were coming. So plan like it with sinking funds. Read the article

​ Preparing for a Job Layoff Uncertainty in the job market has many workers wondering what will happen if they are laid off. An unexpected layoff can disrupt not just your income but also your daily life. Read the article

You’ve got the tools. You’ve got the information. Now it’s about protecting the progress you’ve already made. More clarity coming next issue ! See you in the New Year!
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