With fewer than 100 days left in the year, money starts moving fast. Christmas, school holidays, travel, end-of-year catch-ups and January bills can all land at once. Scott and Ara share a practical way to finish the year with more intention and less financial stress.

In this episode:

• Why the end of the year is a pressure point for money

• Why you should look at your calendar before you set a budget

• Building a full festive-season spending plan, not just a gift list

• Planning for holidays and travel without the January hangover

• Managing social pressure and learning to say no kindly

• Checking subscriptions, debt and cash flow before the new year

• Setting yourself up for a calmer January

Key takeaway: Keep the joy, reduce the regret, and spend on what matters most to you.

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