Christmas planning

I’m Miriam  Neff-with STARTING OVER FINANCIALLY, and I’m Valerie Neff Hogan, and we’re here to talk about money

M  Ah, the holidays. Enter the season of list making, planning and extra shopping.  Compared to last year, we’ll spend little time in stores, more ordering online. Travel may be limited so gifts might be delivered or mailed.

V This is a good time to prioritize carefully planning spending. The pandemic has been a wake up call for many.  A smaller Christmas budget can be a blessing.  Careful thought.  What might meet a real need in that young family?  A shared event, time together?  These need not be expensive outings and might become a new habit.

M  Having a Christmas spending plan means we value stewardship, we prioritize, and ultimately  this gives us more peace this season.

PODCAST