Credello: 22% of Millennials Are Going Into Debt From Dating

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NEW YORK - October 25, 2022 - (

Credello: Dating can be a fun and enjoyable experience, but it can also be costly. A recent study found that 22% of millennials are going into debt from dating. While this number may appear small, it's a worrying sign about economic options for young people, so it's important to know the dangers of dating and debts.

Why do so many millennials take on debt from dating?

Dating can cost a lot of money, both in terms of premium dating apps, the cost of dates, and the cost of your time. For example, one study found that spending on dates costs an average of $146 per month. That adds up quickly! 

In addition, many millennials are not living within their means regarding dating. In fact, a 2016 survey found that nearly two-thirds of millennials (64%) say they don't have enough money saved up to cover an unexpected expense such as a car repair or medical bill. Tacking on the expense of wining and dining a potential mate can quickly add up and turn a bad situation into something disastrous, financially speaking.

How to avoid going into debt from dating?

There are a few things you can do to avoid going into debt from dating. First, don't start making discretionary purchases, like expensive dates, if you're already in debt. Your first goal should be getting out of debt before tacking on more costs. You can use something like the debt avalanche method to help you knock down your debt, freeing up extra funds to woo your date later on.

Next, make sure you have enough money to cover unexpected costs and be aware of the types of expenses common when dating. Many of these expenses are costly and not always necessary. For example, spending on luxurious dates often comes with a high price tag. Instead, you might consider going on inexpensive dates that will still allow you to show your date you're interested such as a coffee date, taking an afternoon walk in the park on a nice day, sightseeing around your town, or a movie.

There's also the option of searching online for discounted events and tickets. Sites like Groupon and Living Social offer deals on events all the time, so be sure to check them out!

Lastly, be careful about how much you borrow money from friends or family members during dating. Borrowing money from others can quickly increase your debt load. Instead, try to save up for these types of expenses yourself.

What to do if you're already in debt

If you're one of the 22% who's already in debt because of dating, don't worry, there are steps you can take to get back on track.

First, look at your spending habits. Are you overspending? What costs can you cut back on? The sooner you recognize where your money goes, the better you'll prevent yourself from going further into debt.

Second, consider talking to a financial advisor about your situation. A professional can help you create a budget and suggest how to improve your credit score. This can make it much easier to get approved for loans and credit cards in the future, which could help you avoid going into debt again from dating.

Lastly, you can always try to find ways to earn more money. Maybe freelancing or finding a second job can help. Or, look into ways to start a side hustle. This could be as simple as taking on a pet-sitting or dog-walking gig or starting a home-based business.

The bottom line

Remember, dating can be an enjoyable experience, but being responsible with your finances is essential. There are many resources available to help you get back on your feet and avoid going into debt from dating.

Contact Information:
Keyonda Goosby
Public Relations Specialist
(201) 633-2125

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Original Source: Credello: 22% of Millennials Are Going Into Debt From Dating Credello: 22% of Millennials Are Going Into Debt From Dating

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New Children’s Picture Book Addresses Bullying, Body Image, Weight-Shaming and Self-Esteem, Opening Opportunities for Important Conversations Between Kids and Adults

'Chubby the Bear’s Big Choice,' by Author Daryl R. McCullough and Illustrated by Maryanne Smith, Sets Its Story Among the Enchanting California Redwoods, Where a Young Bear Fends Off Bullies and Self-Doubt and Regains Self-Esteem and Acceptance

New Children’s Picture Book Addresses Bullying, Body Image, Weight-Shaming and Self-Esteem, Opening Opportunities for Important Conversations Between Kids and Adults
'Chubby the Bear's Big Choice'

Author Daryl R. McCullough?s second book, 'Chubby the Bear?s Big Choice,' is set in a California redwood forest and tells the story of a sensitive, young bear struggling with bullies and his self-esteem issues.

Author Daryl R. McCullough’s second book, “Chubby the Bear’s Big Choice,” is set in a California redwood forest and tells the story of a sensitive, young bear struggling with bullies and self-esteem issues. This tender new book offers children, parents, and others of all ages an engaging story with several timely lessons on bullying, body image, weight-shaming, and self-esteem to be shared and discussed. Parents and children’s therapists have already heralded the book as an essential tool on the subject matter. Order now at Amazon, Barnes & NobleTarget or Archway Publishing.

Chubby is a fitting follow-up to McCullough’s award-winning first book “The Story of Tree and Cloud” — 1st Place, Pen Craft Awards; Finalist/5-Stars, “Reader’s Choice Book Awards”; 1st Place, “Firebird Awards”; and 3rd Place, “Best Children’s Book" and "Best Illustrated & Picture Book," Spring 2022, Outstanding Creator Awards. “Tree and Cloud” is a story about loss and managing grief, also set among California’s natural beauty, starring a California live oak tree named Folie and her new friend Puddle. “Chubby the Bear’s Big Choice” is similarly illustrated — not as a cartoon, but in a pure and naturalist style — by McCullough’s 80-year-old aunt Maryanne Smith, an acclaimed nature artist from Pennsylvania. 

“I grew up a chubby child who was bullied and weight-shamed by my peers and even by teachers and staff in grade school,” McCullough said. “I hope that by sharing this story, any child who might be dealing with these issues and feelings can find the strength to talk about it with their parents and learn self-care. 

“Of course, I also hope the story might thwart a bully or two, providing a teachable moment for them that our individuality is powerful, and compassion is paramount in any friendship,” McCullough said.

The story follows its hero, Chubby, a sensitive young bear cub with a rare talent for befriending honeybees and perhaps enjoying too much of their honey. Bullied by other bear cubs in the forest, Chubby finds solace by retreating up in the air, high in the branches of the redwood trees. One day, Chubby’s mood gets lifted by his forest friends — a sweet raccoon and a wise beaver — and Chubby embarks on a journey to reclaim his self-esteem, choosing to teach the other cubs a lesson along the way. Ultimately, Chubby takes the high road and shows others he is emotionally mature enough to stand up for himself while showcasing his strengths in a thrilling culmination of the tale, which ends happily for all.

Available now, the book invites readers of all ages to embark on a powerful journey of self-discovery and empathy and helps foster essential conversations and empower the next generation. 

“This magical story touched my heart and reminded me how, as a mother of two fabulous daughters, I always had my eye on bullying, particularly when it came to body shaming. Bullies teach us all how not to behave! Conversely, I taught my girls that staying connected with their bodies and loving and sharing their unique gifts with others were some of the healthiest ways to care for themselves and live fulfilled lives. Life is indeed a gift, so like Chubby, let’s all choose love, acceptance, and kindness!” — Melora Hardin, Emmy-nominated star (“The Office,” “Transparent,” “Dancing with the Stars,” “Monk”)

“Chubby the Bear’s Big Choice” by Daryl McCullough 
ISBN: 9781665749640 (Softcover); 9781665749664 (Hardcover); 9781665749657 (Ebook)

About the Author

Daryl McCullough is a professional writer and marketing communications executive who loves creative expression. He lives and works in the Los Angeles area with his husband George Griffin; together, they have a marketing communications and social media business, McGriffin Media. He is formerly CEO and now Chair Emeritus of Citizen Relations, a global brand marketing firm. The family adores their dog, Ferdinand, named after another delightful book. 

About the Illustrator

Maryanne Smith is a talented 80-year-old artist. She has designed and painted many high-end wallpaper designs for the premier York Wallcoverings. She has sold many works of art drawn from nature, and “Chubby the Bear’s Big Choice” is her follow-up to “The Story of Tree and Cloud.” She is from York County, Pennsylvania. Prints of images from each book are available for purchase.

Contact Information:
Melissa Penn

Original Source: New Children’s Picture Book Addresses Bullying, Body Image, Weight-Shaming and Self-Esteem, Opening Opportunities for Important Conversations Between Kids and Adults
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