Hello, Wienabbers. My name is Jesse Meekam, and this is podcast number 156 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.

I just wanted to wish all of you happy holidays for 2015. It is upon us. This is

when you start. You've just come off of a little bit of a binge perhaps.

Some of you were totally ready with cash in hand and the holidays were zero stress and only fun,

not including family things, but

some of you binged a little bit, overspent, stretched the finances.

Happy Holidays for 2015.

It is your chance to get things right this year. And I promise you when you do this you will love it.

Look back at your spending for 2014 for your holiday stuff, travel, extra food, presents, all of that, and then ask

yourself what are we going to spend this year? What will we be doing?

And start to tally What will we be doing?

And start to tally up the cost.

If the cost is $600 for easy math,

that means that you would set aside $50 each month starting in January of 2015 all the way through to the end.

When you get to December 1, you fund your final $50.

That would bring you up to $600.

Unless you do your Christmas shopping in August,

then it would be a little different.

But for those of you, like me, that wait a little while,

you've got all of the cash ready and waiting for you

for the 2015 holidays. So happy holidays. I wish you the best of luck. This is Rule 2 at its finest and it will ease the stress you feel

...