Hey friend,
Can we be real for a minute?
If Christmas is feeling heavy right now—if you're stressed about money, worried about disappointing your kids, or dreading opening your credit card statement in January—I want you to know something:
You're not alone. And you're not failing.
I see you. I've BEEN you.
I Remember That Feeling
I've told you about our years drowning in debt. Christmas during those years? It felt like celebrating with a dark gray filter over everything.
Every shopping trip was anxiety. Every gift came with guilt. I'd tell myself, "We'll have it paid off by March." (Spoiler: we never did.)
I wanted to give my kids the magic and feel generous and joyful. But instead, I felt like I was robbing my future self to pay for my present self's inability to say no.
If that's where you are right now—take a deep breath. You're going to be okay.
Getting Through THIS Christmas
Here's what I want you to do:
Get honest with yourself. Look at what you've spent. Don't avoid it—face it. You can't fix what you won't acknowledge.
Make a plan for January. You don't need all the answers now, but start thinking about how you'll tackle whatever debt you've added.
Give yourself grace. You're doing the best you can with what you have and what you know.
Find Joy in the Little Things
Here's what I want you to remember: The best parts of Christmas don't cost money.
Your kids won't remember if the gifts were wrapped in fancy paper or brown grocery bags.
They WILL remember if you were stressed the whole season, or if you were present and joyful.
They'll remember:
- Driving around looking at Christmas lights
- Reading Christmas stories before bed
- Making cookies together
- Christmas morning excitement
- YOUR face when they opened gifts—not the size of the gifts
Find joy in the little things this season. The hot cocoa. The Christmas music. The lights on the tree. The time with people you love.
Have a VERY MERRY CHRISTMAS, friend. You deserve it. 🎄💙
Making Next Year Different
Here's the truth: If you don't do something different, next Christmas is going to feel exactly like this one.
I don't say that to be harsh. I say it because I care about you, and I want better for you.
You don't have to live with this weight every December. You don't have to dread January. You don't have to choose between making your kids happy and protecting your financial future.
There's a better way.
My Group Coaching Program starts in January—six Monday nights where we tackle budgeting, debt, savings, and life design. The same proven system that got my family out of $120,000 of debt and gave us the freedom to actually ENJOY Christmas without the stress.
This is how you make next year different. This is how you walk into Christmas 2026 with money already saved, gifts already budgeted for, and zero January regret.
Click here to learn more and join us!
You don't have to figure this out alone. You don't have to keep repeating the same cycle.
Let's make 2026 the year everything changes.
You've Got This
Get through this Christmas with as much grace and joy as you can muster. Find the little moments of magic. Be present with your people.
And then? Let's get to work making sure next year feels completely different.
I'm here. I'm in your corner. And I'm cheering you on every single step of the way.
Have a VERY MERRY CHRISTMAS, friend. You've got this. 💙🎄
With so much love and support,
Jenny
P.S. Ready to make 2026 different? Click here to join my group coaching program. Six Monday nights. Real support. Real tools. Real change.
P.P.S. Need some grounding through the rest of this season? Check out the Hopebook Advent Devotional. Being part of this project has been such a gift! 🙏✨
See you next week!
