The holidays should feel warm and human, not like a budgeting panic. We sat down with Casey Messer to unpack how to enjoy a generous, memorable season without waking up to a January bill spiral. From setting a clear, per-person budget to automating weekly transfers into a dedicated holiday fund, we walk through practical steps that calm the mind and protect your money.

We start with planning that works even if you’re late to the party: build a simple list, put numbers beside names, and track what you’ve already bought with photos or a quick spreadsheet. Then we move into smarter tools—goal-based budgeting, category alerts, and transaction tags—so you see spending in real time instead of guessing. Casey shares why experiences often beat piles of gifts, how a well-run Secret Santa creates intention, and where traditions like matching pajamas can be fun without the annual cost creep.

Money stress often rises as the calendar fills, so we reset the mindset too. Define what the season means to you and let that guide choices about events, hosting, and gifts. If you’ve already overspent, skip the shame spiral and try a no-spend January while you set up next year’s plan. We also cover the hidden costs between now and December—groceries, travel, and parties—and how to stagger purchases to avoid last-minute premiums. With Centric’s mobile app, you can connect accounts, set budgets, tag holiday spending, and get nudges that help you stay on track.

Ready to trade excess for meaning and build a holiday that actually fits your life? Press play, save your favorites, and share this episode with a friend who needs a calm, clear plan. If you found value, follow Live Better, rate the show, and leave a quick review to help others find us.