In this video I share my Holiday Concepts on how to be smart with time, energy and money. After watching, let me know if you have any similar concepts that you have found work really well for your Christmas Season.

Make sure to know what you want. Make a list or make sure to take time to think about what you want for this time of year. Whether it's what you want to see happen in events, the food you want to make, the baking you want to do, the friends you want to see or the gifts you need to buy. The more of an idea of what you want helps you narrow down how to save money so that you are not fooled by the latest and greatest thing that costs more than you were intending to spend in the first place. Don't be fooled by sales that are not for what you want. Sales are great if they are for the thing or idea you wanted in the first place.

The link to David Ramsey is: daveramsey.com/tools/budget-forms/