Hello, one ebbers. My name is Jesse Meekman. This is podcast number 104 for

you need a budget. Where we teach you four rules to help you stop living paycheck

to paycheck, get out of debt and save more money.

And it's almost Christmas, which has me very excited.

I am never too excited for Christmas until I purchase the gifts. Once I have those

gifts, I get excited and one massive benefit of being the oldest wine ever in the history of

Earth that's Julian, and I, we have been doing this Christmas with Cash thing for a really long time.

And that is how you have yourself a Merry Little Christmas.

So I propose to you something really, really crazy. You right now are in the throes of the Christmas planning with it

just right upon us. And I want you, before Christmas 2013 is even over, I want you to think about Christmas

2014. I want you to look at what you've spent so far. I want you to think about how you feel. Are you prepared? Did you go overboard? Did you do much?

Too little?

Did you think enough about what you're doing

and try and give something that's meaningful

and not just check a box.

Just do a little analysis.

I've been guilty of the box checking and there have been times where I've hit it out of the park

when it comes to gifts. Working on one right now that

Julie doesn't know about and she won't know about until Christmas morning because she

doesn't listen to the podcast.

So I've been working on this book, like a photo book.

I'm on year three of doing this.

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