{"id":6037,"date":"2025-12-03T12:17:03","date_gmt":"2025-12-03T12:17:03","guid":{"rendered":"https:\/\/legendfusions.com\/usa\/?p=6037"},"modified":"2025-12-05T09:30:56","modified_gmt":"2025-12-05T09:30:56","slug":"us-holiday-shopping-slows-as-credit-card-debt-rises","status":"publish","type":"post","link":"https:\/\/legendfusions.com\/usa\/us-holiday-shopping-slows-as-credit-card-debt-rises\/","title":{"rendered":"Americans\u00a0reconsider\u00a0holiday\u00a0spending\u00a0amid\u00a0credit\u00a0card\u00a0stress\u00a0"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6037\" class=\"elementor elementor-6037\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd86005 pbmit-col-stretched-none pbmit-cursor-color-blackish-color pbmit-bg-color-over-image elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd86005\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ee7aa2 pbmit-bg-color-over-image\" data-id=\"7ee7aa2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e7c0b9 elementor-widget elementor-widget-text-editor\" data-id=\"0e7c0b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">American families face more financial pressure this holiday season than in recent\u00a0years. Credit\u00a0card balances are rising. Interest rates\u00a0remain\u00a0above 20%. Essentials like rent, groceries, and fuel take up more of disposable income. Many households now rely on credit to cover day-to-day costs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Retailers are noticing the impact. Consumers are comparing prices, delaying purchases, and choosing cheaper alternatives. The usual year-end shopping surge is giving way to slower, more deliberate spending\u00a0(<\/span><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/www.newyorkfed.org\/newsevents\/news\/research\/2025\/20251105?\" target=\"_blank\" rel=\"noopener\">Source: Federal Reserve Bank of New York<\/a><\/span><span data-contrast=\"auto\">).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7c81a1 pbmit-animation-none elementor-widget elementor-widget-image\" data-id=\"d7c81a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1500\" height=\"844\" src=\"https:\/\/legendfusions.com\/usa\/wp-content\/uploads\/2025\/12\/November25-News_U.S.-consumer-spending-slows-as-credit-card-delinquencies-climb.png\" class=\"attachment-full size-full wp-image-6110\" alt=\"Americans reconsider holiday spending amid credit card stress\" srcset=\"https:\/\/legendfusions.com\/usa\/wp-content\/uploads\/2025\/12\/November25-News_U.S.-consumer-spending-slows-as-credit-card-delinquencies-climb.png 1500w, https:\/\/legendfusions.com\/usa\/wp-content\/uploads\/2025\/12\/November25-News_U.S.-consumer-spending-slows-as-credit-card-delinquencies-climb-300x169.png 300w, https:\/\/legendfusions.com\/usa\/wp-content\/uploads\/2025\/12\/November25-News_U.S.-consumer-spending-slows-as-credit-card-delinquencies-climb-1024x576.png 1024w, https:\/\/legendfusions.com\/usa\/wp-content\/uploads\/2025\/12\/November25-News_U.S.-consumer-spending-slows-as-credit-card-delinquencies-climb-768x432.png 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c44f1ee elementor-widget elementor-widget-pbmit_custom_heading\" data-id=\"c44f1ee\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"SSI\" data-widget_type=\"pbmit_custom_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"pbmit-custom-heading \"><h2 class=\"pbmit-element-title\">\r\n\t\t\t\r\n\t\t\t\tWhat\u2019s Changing for U.S. Consumers \r\n\t\t\t\r\n\t\t\t<\/h2>\r\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08beed5 elementor-widget elementor-widget-text-editor\" data-id=\"08beed5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Multiple factors\u00a0are shaping how U.S. households experience financial pressure, affecting\u00a0different groups\u00a0in\u00a0various\u00a0ways:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Subprime borrowers:<\/span><\/b><span data-contrast=\"auto\">\u00a0May face higher risk of missed payments and faster budget pressure.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Prime borrowers:<\/span><\/b><span data-contrast=\"auto\">\u00a0May remain more stable and can handle rising rates.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Younger adults:<\/span><\/b><span data-contrast=\"auto\">\u00a0May face tighter monthly budgets as federal student loan repayments resume.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">High-cost regions:<\/span><\/b><span data-contrast=\"auto\">\u00a0May experience holiday pressure sooner, especially in cities like New York and San Francisco.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><!-- \/wp:html --><!-- \/wp:columns --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e22bcdb elementor-widget elementor-widget-pbmit_custom_heading\" data-id=\"e22bcdb\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"SSDI\" data-widget_type=\"pbmit_custom_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"pbmit-custom-heading \"><h2 class=\"pbmit-element-title\">\r\n\t\t\t\r\n\t\t\t\tWhy It\u2019s Happening \r\n\t\t\t\r\n\t\t\t<\/h2>\r\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47ab1f4 elementor-widget elementor-widget-text-editor\" data-id=\"47ab1f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Several economic factors are driving the financial pressure on U.S. households\u00a0such as:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559685&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Slower wage growth:<\/span><\/b><span data-contrast=\"auto\">\u00a0Households earn less compared with rising living costs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Softer job market:<\/span><\/b><span data-contrast=\"auto\">\u00a0Families face fewer opportunities and more uncertainty.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Persistent inflation in essentials:<\/span><\/b><span data-contrast=\"auto\">\u00a0Prices for food, rent, and fuel stay high.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"auto\">Credit card APRs above 20%:<\/span><\/b><span data-contrast=\"auto\">\u00a0High-interest debt raises monthly payments.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><!-- \/wp:html --><!-- \/wp:columns --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-875e405 elementor-widget elementor-widget-pbmit_custom_heading\" data-id=\"875e405\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pbmit_custom_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"pbmit-custom-heading \"><h2 class=\"pbmit-element-title\">\r\n\t\t\t\r\n\t\t\t\tDebt Pressure Is Changing Behavior \r\n\t\t\t\r\n\t\t\t<\/h2>\r\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa2d3b4 elementor-widget elementor-widget-text-editor\" data-id=\"fa2d3b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">High interest rates are reshaping how people spend and save. Families with revolving balances face higher minimum payments, leaving less for holiday gifts, travel, and dining\u00a0(<\/span><span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/www.reuters.com\/business\/inflation-weighing-us-income-growth-ahead-holiday-season-study-says-2025-11-25\/?\" target=\"_blank\" rel=\"noopener\">Source: Inflation weighing income growth- Reuters<\/a><\/span><span data-contrast=\"auto\">).<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Here\u2019s how consumers behavior changed:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">Smaller or postponed purchases<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">More discount-driven decisions<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Reduced discretionary travel<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Increased use of budgeting apps and debt-management plans<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ca8c46 elementor-widget elementor-widget-pbmit_custom_heading\" data-id=\"7ca8c46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pbmit_custom_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"pbmit-custom-heading \"><h2 class=\"pbmit-element-title\">\r\n\t\t\t\r\n\t\t\t\tRipple Effects Across Consumers \r\n\t\t\t\r\n\t\t\t<\/h2>\r\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-126798a elementor-widget elementor-widget-text-editor\" data-id=\"126798a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW120223524 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW120223524 BCX0\">These shifts are affecting businesses and the broader economy:<\/span><\/span><span class=\"EOP SCXW120223524 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d13440 elementor-widget elementor-widget-data_table_lite\" data-id=\"7d13440\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"data_table_lite.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\" graphina-jquery-data-table\"\n\tdata-element_id=\"7d13440\"\n\tdata-common_filter_id=\"\"\n\tdata-chart_type=\"data_table_lite\"\n\tdata-chart_data='{&quot;columns&quot;:[{&quot;title&quot;:&quot;Sector &quot;},{&quot;title&quot;:&quot;Impact &quot;}],&quot;data&quot;:[[&quot;Retail &quot;,&quot;Tighter inventory, more promotions, shorter order cycles &quot;],[&quot;Travel &quot;,&quot;Positive demand but shorter, budget-friendly trips &quot;,&quot;Data 3&quot;],[&quot;Restaurants &quot;,&quot;Lower foot traffic and reduced average spend &quot;],[&quot;Banking &quot;,&quot;Higher delinquency risk among lower-score borrowers &quot;]],&quot;searching&quot;:false,&quot;paging&quot;:false,&quot;info&quot;:false,&quot;lengthChange&quot;:false,&quot;sort&quot;:false,&quot;pagingType&quot;:&quot;full&quot;,&quot;scrollX&quot;:true,&quot;scrollY&quot;:&quot;&quot;,&quot;pageLength&quot;:-1,&quot;responsive&quot;:true,&quot;dom&quot;:&quot;Bfrtip&quot;,&quot;lengthMenu&quot;:[[10,50,100,-1],[10,50,100,&quot;All&quot;]],&quot;buttons&quot;:[],&quot;columnDefs&quot;:[{&quot;className&quot;:&quot;dt-head-center&quot;,&quot;targets&quot;:&quot;_all&quot;},{&quot;className&quot;:&quot;dt-center&quot;,&quot;targets&quot;:&quot;_all&quot;}],&quot;deferRender&quot;:true,&quot;language&quot;:{&quot;search&quot;:&quot;&quot;,&quot;info&quot;:&quot;Showing _START_ to _END_ of _TOTAL_ entries&quot;,&quot;searchPlaceholder&quot;:&quot;Search....&quot;,&quot;emptyTable&quot;:&quot;No data available in table&quot;,&quot;zeroRecords&quot;:&quot;No matching records found&quot;,&quot;paginate&quot;:{&quot;first&quot;:&quot;First&quot;,&quot;last&quot;:&quot;Last&quot;,&quot;next&quot;:&quot;Next&quot;,&quot;previous&quot;:&quot;Previous&quot;},&quot;buttons&quot;:{&quot;copy&quot;:&quot;Copy&quot;,&quot;pdf&quot;:&quot;PDF&quot;,&quot;print&quot;:&quot;Print&quot;,&quot;excel&quot;:&quot;Excel&quot;,&quot;pageLength&quot;:{&quot;-1&quot;:&quot;Show all rows&quot;,&quot;_&quot;:&quot;Show %d rows&quot;}}}}'\n\tdata-extra_data='{&quot;current_post_id&quot;:6037,&quot;prefix&quot;:&quot;iq_&quot;,&quot;header_class&quot;:&quot;dt-head-center&quot;,&quot;table_data_direct&quot;:false,&quot;table_footer&quot;:false,&quot;is_dynamic_table&quot;:false,&quot;hide_column_header&quot;:false}'\n\tdata-settings='[]'>\n\t<div class=\"\">\n\t\t\t<\/div>\n\n\t\n\t<table id=\"data_table_lite_7d13440\"\n\t\tclass=\"chart-texture display wrap data_table_lite_7d13440\">\n\t<\/table>\n\t<p id=\"data_table_lite_loading_7d13440\" class=\"graphina-chart-heading table-loading-txt\">\n\t\tLoading..........\t<\/p>\n\t<p id=\"data_table_lite_no_data_7d13440\" class=\"graphina-chart-heading table-data-not-available-txt\">\n\t\tThe Data is Not Available\t<\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f3cc2d elementor-widget elementor-widget-pbmit_custom_heading\" data-id=\"2f3cc2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pbmit_custom_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"pbmit-custom-heading \"><h2 class=\"pbmit-element-title\">\r\n\t\t\t\r\n\t\t\t\tA New Financial Reality \r\n\t\t\t\r\n\t\t\t<\/h2>\r\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d404953 elementor-widget elementor-widget-text-editor\" data-id=\"d404953\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">For many families, credit cards no longer provide\u00a0relief;\u00a0they add strain. With lower savings and\u00a0cooling\u00a0wages, careful planning is now essential.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px; text-align: var(--bs-body-text-align);\" data-contrast=\"auto\">More consumers are turning to budgeting tools, debt-management strategies, and professional guidance.\u00a0Legend Fusions guides households in controlling spending, planning finances, and managing debt effectively.\u00a0\u00a0<\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: 0px; text-align: var(--bs-body-text-align);\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p><p><a href=\"https:\/\/legendfusions.com\/usa\/contact-us\/\"><span data-contrast=\"none\"><span style=\"color: #3366ff;\">Book a free consultation today<\/span><\/span><\/a><span style=\"color: #3366ff;\" data-contrast=\"none\">!<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a3e643 elementor-widget elementor-widget-pbmit_custom_heading\" data-id=\"8a3e643\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pbmit_custom_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"pbmit-custom-heading \"><div class=\"pbmit-element-title\">\r\n\t\t\t\r\n\t\t\t\tReviewed by:\r\n\t\t\t\r\n\t\t\t<\/div>\r\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2d138c1 pbmit-col-stretched-none pbmit-cursor-color-blackish-color pbmit-bg-color-over-image elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d138c1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-c189860 pbmit-bg-color-over-image\" data-id=\"c189860\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af9f5c8 elementor-position-left elementor-position-top elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"af9f5c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/legendfusions.com\/usa\/wp-content\/uploads\/2024\/10\/Hira.webp\" class=\"attachment-full size-full wp-image-2443\" alt=\"Hira\" srcset=\"https:\/\/legendfusions.com\/usa\/wp-content\/uploads\/2024\/10\/Hira.webp 512w, https:\/\/legendfusions.com\/usa\/wp-content\/uploads\/2024\/10\/Hira-300x300.webp 300w, https:\/\/legendfusions.com\/usa\/wp-content\/uploads\/2024\/10\/Hira-150x150.webp 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">Hira Asif<\/p><p class=\"elementor-image-box-description\">Hira Asif, Client Manager (US) at Legend Fusions, brings over 11 years of tax expertise, including 8 years with Ernst &amp; Young. Her work focuses on tax advisory, compliance, and planning for individuals, partnerships, and private equity funds. With a deep knowledge of federal, state, and local tax regulations, Hira is skilled in identifying tax planning opportunities and reviewing corporate and partnership tax returns to optimize compliance and reduce exposures.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd3409a elementor-widget__width-initial elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"bd3409a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-2e23a96\" href=\"https:\/\/www.linkedin.com\/in\/hira-asif-1a08a81a1\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>American families face more financial pressure this holiday season than in recent\u00a0years. Credit\u00a0card balances are rising. Interest rates\u00a0remain\u00a0above 20%. Essentials like rent, groceries, and fuel take up more of disposable income. Many households now rely on credit to cover day-to-day costs.\u00a0 Retailers are noticing the impact. Consumers are comparing prices, delaying purchases, and choosing cheaper [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":6109,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-6037","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/posts\/6037","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/comments?post=6037"}],"version-history":[{"count":14,"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/posts\/6037\/revisions"}],"predecessor-version":[{"id":6138,"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/posts\/6037\/revisions\/6138"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/media\/6109"}],"wp:attachment":[{"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/media?parent=6037"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/categories?post=6037"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/legendfusions.com\/usa\/wp-json\/wp\/v2\/tags?post=6037"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}