Your Best Christmas Starts Now


The happiest holidays don’t just happen. They are saved for. All year long.

Podcast #156: Happy Holidays, the one in which Jesse reminds us a stress-free 2015 holiday season is as simple as putting a little bit aside all year long.


This episode aired January 25, 2015. 

Hello YNABers. My name is Jesse Mecham and this is podcast number 156 for You Need A Budget, where we teach you four rules to help you stop living pay check to pay check, get out of debt and save more money.

I just wanted to wish all of you Happy Holidays for 2015. It is upon us. This is when you start. You’ve just come off of a little bit of a binge, perhaps. Some of you were totally ready, with cash in hand and the holidays were zero stress and only fun — not including family things. But some of you binged a little bit — overspent, stretched the finances. Happy Holidays for 2015. Here is your chance to get things right this year. And I promise you, when you do this you will love it.

Look back at your spending for 2014 for your holiday stuff, travel, extra food, presents, all of that — and then ask yourself, “What are we going to spend this year? What will we be doing?” And start to tally up the cost.

If the cost is $600 for easy math, that means that you would set aside $50 each month, starting in January of 2015, all the way through to the end. When you get to December 1, you fund your final $50. That would bring you up to $600 — unless you do your Christmas shopping in August, then it would be a little different. But, for those of you, like me, that wait a little while, you’ve got all of the cash ready and waiting for you for the 2015 holidays.

So, Happy Holidays. I wish you the best of luck. This is Rule Two at its finest — and it will ease the stress you feel around the holidays.

Until next time, follow YNAB’s four rules and you will win financially. You have not budgeted like this.


Learn how to stop living paycheck to paycheck, get out of debt and save more money faster – subscribe to the You Need A Budget podcast today!