Hello, whinabbers my name is Jesse Meekam and this is podcast number 206 for Wienab.

Where we teach you four rules to help you stop living paycheck to paycheck,

get out of debt and save more money.

January is... save more money.

January is the antithesis of December. January is when the credit card bill has come and I'm speaking to those

that maybe weren't following the Wineb way in 2015.

And here we are in 2016, staring in the face, taxes are due in several months,

Y-I-O-Kay-A, and you have a credit card bill due from your holiday spending.

All is not lost. You sometimes just end up getting kind of a wake-up call and a lot of times this can be

the silver lining on an otherwise gray cloud. Where your wake-up call is I went

a little out of control. I ran up some debt for the holidays.

That was maybe your standard operating procedure for several years and you're

tired of it and you get that credit card bill in the mail and it's stressful to you.

This is the month where you start saving for Christmas of 2016, January of 2016.

You pick a target, you set up a goal in Wineab, you say I want to spend

I don't care if it's $6,000, which would be $500 a month, or if it's $2,400, which would be $200 a month, or if it's $120, which would be $10 a month.

Whatever the amount is you pick, you say, this is what I'm going to spend on Christmas.

Make sure that you make that category all inclusive. Do you buy new Christmas lights?

Do you pay someone to hang your Christmas lights? Do you have a big family dinner where you buy three turkeys and smoke them?

And why haven't you invited me?

Do you have scenarios where you send out Christmas cards and those costs maybe a hundred, two

hundred dollars?

...