January doesn't have to be brutal–Use the next month to get ahead

​December usually comes with extra spending: Gifts, holidays, travel. And if you’re paid early, January ends up longer, tighter, and more stressful than expected.

​This session helps you prepare while there’s still time. We’ll map out what December is likely to cost, look at short-term ways to shift your budget, and set up a buffer so January doesn’t knock everything off track.

​You’ll come out with:

• ​A practical plan for managing December and surviving January

• ​A short-term savings strategy that protects your longer-term goals

• ​Simple budget tweaks to free up cash before it’s urgent