I'm pumped to talk about a Christmas budget and Christmas gifts today. Guys, this can get so out of hand,

so fast. And also, it can have such a negative connotation to it. Just making a Christmas budget

feels like it stifles all the Christmas cheer. But I'm here to say it doesn't. It doesn't. Making a

Christmas budget actually brings me a lot of joy because it helps me to stay organized and focused

on what I really, really want to be spending my money on. And it helps me not get so carried

away that in January, I look back and have a lot of regret. I don't. When I make a Christmas budget,

I don't. And so today we're going to talk all about how to make a simple and effective Christmas

budget for you to follow, as well as how to create a gift tracking document so that you can

keep track of everything really well this Christmas.

You're listening to Work and Play with Nancy Ray, episode 215.

Much of our daily lives can be divided into two categories, work and play.

Simply put, that's where our life and our legacy take place.

This is a podcast all about learning to work and play well, which leads to a healthy soul and a fulfilling life.

Let's dive in.

It's that time of year again where you might be considering your health care and what options you have available to you. We're all conditioned to think that traditional health insurance is the

only option we have. I know that's how we were for years, but that's simply not true thanks to

CHM. CHM, standing for Christian Healthcare Ministries, is a faith-based approach to health care

where Christians come together and share each other's medical expenses.

The best part, you can join CHM at any time.

Discover faith-based excellence in health care at your fingertips.

We've personally been using them in lieu of traditional health care

for seven years through three of the births of our babies, and we have loved it. Plus, receive the

...