With student loan payments just about to resume after a long hiatus, it's cramping

your ability to save and spend like you've been able to over the past few years.

To how to money guys, that's us.

We don't have legal authority to cancel your debt or anything, but you can and should

check out our show for advice on all things personal finance.

And just so you know how to money is not your dad's money show either, right?

We give you the information you need to make smarter money choices, so if you want to know

how to spend, save and invest with confidence, even with that student loan payment back in

your life, 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 for all those tasks you do regularly.

Make a template. That is, something that serves as a model.

Templates help us get things done efficiently and successfully.

You don't have to approach familiar situations as though you've never seen them before.

Instead, use the template to make getting started easier.

For instance, in a past episode, I suggested creating go-to gifts.

This is really a gift giving template.

For instance, you decide that you'll narrow the universe of baby gifts

down to a monogrammed rattle, a canvas tote bag with the baby's name,

or a favorite children's book from your own childhood.

You decide which of these gifts you give to any given family,

...