Your budget keeps failing - and it's not because you're bad with money. It's because you're trying to force your real life into a generic template that doesn't account for what's actually happening. With the holidays coming up (Thanksgiving, Christmas, birthdays, parties, travel), November and December need a PLAN, not a budget. In this episode, I'm walking you through how to create a spending plan based on your actual calendar, your household's real needs, and what matters to YOU - so you can stop feeling like a failure when life doesn't fit the template.

You'll learn:

• Why generic budgets set you up to fail (especially during the holidays)
• The difference between a budget and a spending plan
• How to plan for your actual life by looking at your calendar
• What to consider for November/December specifically (because these months are NOT normal)
• How to make intentional choices about what matters vs. what doesn't
• Why flexibility is key to a plan that actually works

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www.katyalmstrom.com/9-ways

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