Hello, Wine Embers. My name is Jesse Meakam and this is podcast number 537 for Wine Embers

where we teach you four rules to help you stop even paycheck to paycheck, get out of

debt and save more money. Now, we talk a lot about rule two, anticipate those larger,

less frequent expenses. The rule here is that you, well, we call it embracing your true

expenses, but you can't embrace something you're not aware of. So you have to first

anticipate, you have to look ahead, you have to think what big expenses are coming my

way. And one that we talk about all the time is the holiday spending, the gifts, the

Christmas budget. Now, if you're just jumping onto Wine Ember right now, welcome. You're

going to love it here, but also it's, you know, it's middle of October and the holidays,

they're here. And if Costco is any indicator, they've been here for a little while. The

trees, they're already sold out. I don't even know what's going to happen. But Christmas

is here. So holiday spending for you. Are you ready for it? Well, no. You just found

out that you should have been getting ready. Well, about the day after Christmas ends in

what are we out here about 10 months? I said months, don't we wish? I mean weeks, about

10 weeks from now, Christmas will be over. And you'll be back to your normal self, except

if you've been doing it the wrong way, you'll have just a little bit of debt or maybe

a lot a little debt. And it's not going to be very comfortable for you. So if you're working

down and pan off that debt, that's not what Wine Embers do. We Wine Embers look ahead

to that expense, that glorious, fun-filled, merry, joyous expense. And we start setting

aside a little bit each month. But we start December 26th of the prior year. And you,

dear listener, dear brand new Wine Ember, whom I just, just, I'm so happy you're here.

But you're just getting started now. What do you do? One, you have three months to

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