As of the date of this week's episode release, we have

• Around 30 days until Halloween
• Almost 60 days until Thanksgiving
• Almost 90 days until Christmas

Is your budget ready?

Are you Credit Cards ready?

How can you manage holiday spending this year, next year and the years beyond?

Thirty-seven percent of all Americans have holiday debt, and the average household spends around $1,500 per year on gifts, but worse takes an average of 3 months or longer to pay off that debt! Shawn & George talk about holiday budgeting in September - yes, September, because for most people the end of the year goes like this:

• September - I have plenty of time
• October - I should probably start to think about gifts
• November - Black Friday specials !!
• December - Holy moly, how much did I spend?
• January - Who put $4,000 on my Visa card?

To combat this, we talk about the five buckets for holiday spending: (1) Gifts, (2) Travel, (3) Entertainment, (4) Holiday Stuff, and (5) Ooops, I forgot to buy for ...

Let us know if you enjoy this episode and, if so, please share it with your friends!

Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt

To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.