Ashley Patrick

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3,699 appearances 14 recordings 1 series first heard Feb 2025 last heard 3 Dec

Ashley Patrick’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 3 in all, peaking in Dec 2025 with 1.

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Money Mindset Podcast - Budgets Made Easy · #239 How to Get Through the Holidays Without Adding to Your Debt · 4 Nov 2025 podcast

So without the holiday debt.

Now, even if you are focusing on paying off debt right now, maybe for the next two months, you are focusing on not adding to the debt.

Like that is good enough.

to focus on just not adding any more debt.

So even if you can't make as much progress on your financial goals, that is still a lot of financial progress, right?

Especially if you have a tendency to overspend on the holidays and have for years.

It's a really hard habit to break.

So as you are preparing your holiday budget, I want you to think about an overall spending amount for food, clothes,

gifts, decorations, tree, like all of the things, how much do you want to spend?

Now, as you are deciding on an overall amount, I want you to break that number down by 12, divide it by 12, because that's how much it costs you every single month.

And usually when people do that, they realize, oh,

I don't have an extra $200 a month to spend on Christmas.

What am I even doing?

$1,200 on Christmas is $100 a month.

Do you have $100 a month to set aside for Christmas?

Is that what you want your money to go to?

Like if you only have $300 a month towards your financial goals, do you want to put a third of that toward Christmas, which is one day a year, right?

$2,400 for Christmas is $200 a month.

So I want you to think about that because once the holidays are over, you've got to start saving for next year too, right?

Like you've got to start thinking about it.

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