Between buying presents, plane tickets, food, and party supplies, 36% of consumers went into debt, owing an average of $1,249, in 2021 according to a survey by Lending Tree. The winter holidays can represent a stressful time for students and staff with financial factors playing a large part. Christmas, Hannukah, Kwanzaa, and New Year's Eve present teens and adults alike with pressure to spend regardless of savings or income level.This project has two parts. In the first part, students will spend