Joel, the holidays are a blast, but the financial hangover, that can be a huge bummer.

If you are out there and you're dreading the new statement email that reveals the massive balance that you may have racked up, well, you could use her help.

That's right.

I'm Joel and I am Matt.

And we're from the how-to money podcast.

Our show is all about helping you make sense of your personal finances so you

can ditch your pesky credit card debt once and for all, make real progress on other crucial

financial goals that you've got, and just feel more in control of your money in general.

You know it. For money advice without the judgment and jargon, listen to How to Money on the

Iheart radio app, Apple Podcasts, or wherever you get your

podcasts.

Welcome to Before Breakfast, a production of IHeart Radio.

Good morning. This is Laura.

Welcome to the Before Breakfast podcast.

Today's tip is to enjoy and make the most of any time you get back when a meeting is canceled or ends early.

As we often discuss on this podcast, knowledge workers spend a lot of time in meetings.

But sometimes a meeting doesn't happen.

People are gone.

Or the task is no longer a priority.

Or sometimes it ends early.

I wish everyone was so clear on the agenda that every minute of every meeting was well

planned for, but sometimes that doesn't happen. Or sometimes it becomes clear that the answer is a

...