Episode 115: Christmas in July: The Five-Dollar Envelope

It is July. It is warm.And the smartest thing you can do for next December is happening right now.If you have ever started a new year with that sinking feeling - decorations coming down, the first credit card statement arriving, your stomach dropping - this episode is your way out of that loop. With five full months of runway, you can make sure next January feels completely different.In this episode you will discover:Why next December does not have to come with dread or a lingering billHow a hundred-year-old idea protected millions of families from holiday debtWhat your brain naturally does with money that has a name and a purposeScripture: Luke 14:28 (NIV) - counting the cost before you build.Research note: We look at behavioral economist Richard Thaler's work on how our minds sort money, and the long-forgotten Christmas club accounts that helped families arrive at the holidays owing nothing.Ready for your next step?FREE 5-Minute Daily Reset (instant download):YourNextBestStep.com Weekly encouragement + practical tips:YouTube @CoachJanetJ Instagram: @janetjjaecksIf this episode resonated with you, please follow/subscribe and share with a friend who needs their next step.  One small step. One day at a time.