𝐄𝐚𝐫𝐥𝐲 𝐃𝐞𝐜𝐞𝐦𝐛𝐞𝐫. 𝐄𝐚𝐫𝐥𝐲 𝐝𝐢𝐬𝐜𝐢𝐩𝐥𝐢𝐧𝐞.This is the part of the month where everyone swears they’ll “behave”, right before completely forgetting what a budget is by the second week. The Christmas playlists are warming up, the shopping carts are filling themselves, and suddenly people start buying things they didn’t even know existed. (Why do we think our relatives need a $90 candle?) But this is exactly why the early days matter. If you can hold the line now, you won’t spend the second half of December googling “how to recover financially from festive enthusiasm.”
Because let’s be real, December has traps. Sales, parties, pressure, FOMO, and that little voice that says, “It’s Christmas… treat yourself.” Early discipline is your shield. Review your spending, stay sharp with your goals, and don’t let Santa convince you to swipe your way into regret. Start strong, stay steady, and let future-you enjoy January without the emotional damage of your December choices.