Hello, whinabbers. My name is Jesse Makeum and this is podcast number 203 for Wienab, where we teach you four rules

to help you stop living paycheck to paycheck, get out of debt and save more money.

Without further ado, t'was the night before Christmas

when all through the couch, not a dime could be found

for which I could vouch. The cards were all maxed in my wallet, so bare. Two

still had balances from Christmas last year. The children asleep, thinking everything's fine. Well, I sat crunching numbers, occasionally

crying. My wife, resolute, and without any delay, starts listing last year's gifts on eBay.

Then out in the front we hear a loud crash,

I spring from my chair and take off with a dash.

The gifts stacked so high, the tree looked as to drown couldn't hold longer and had fallen down

And then as if that wasn't surely enough the lights in the house go from on to, well, off.

Then back on again.

Whoo!

I just felt a chill.

I thought we'd swamped Princess shoes for a bill.

I crossed the room, beckoned by logic and reason, guessing I'll soon commit credit card treason, I crack

open the book, find page 28, a dead simple rule to change our Christmas fate.

Save for rainy days.

It's rule two of the four.

These non-monthly expenses you cannot ignore.

Take the total expense, now don't try and hide, take that total, and then by 12 you'll divide.

My mind isn't really, and this makes really good sense.

...