Hello, whinabbers. My name is Jesse Meekham, and this is Podcasts, number 11 for uniday budget.com, where we teach you four rules to help

you stop living paycheck to paycheck. Get out of debt in 2012 and save more money to boot.

I have a special guest on the program.

Erin Lowell today.

She is head of our education efforts.

If you are a business owner, a professional, someone that works a lot with people,

any type of influencer you can reach her at education at unit budget.com and it is possible that we could help you help your people out.

Bulk discounts on software, free books, have her come out and teach a live class to your group and she does it very, very

well. So Aaron will be on the program in just a second and we'll be talking about something

very cool that we're doing for just the month of January,

actually just this next weekend, New Year's Crash Course.

You'll hear more from her.

In the meantime, I hope everyone had a great holiday, very safe New Year's.

This is the time for New Year's resolutions.

I am bucking my own trend this week. I am not going to set in New Year's resolutions. I'm actually going

to give myself license to do some very tiny habits. One will be around food. I haven't decided

the other ones. I've always done financial, fitness, you know, spiritual and family, and I'm running kind of dry on goals to be frank.

So as you guys know, I've mentioned the podcast before I've been talking or you know kind of

tweeting with B.J. Fogg he's a Stanford researcher and he has a program called

three tiny habits you can find it at tiny habits if you want.

I participated in it a few weeks ago and kind of his pilot group loved it,

talked all about it already.

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