December holidays are here and for many families, this is when money disappears fast. Overspending, family pressure, travel plans, gifting expectations… and then January hits hard.In this episode, I sit down with Linda Makatiani, Financial Consultant, Investment coach, founder of Finance4Families Podcast, Lefty Kenya, and Financial Literacy Coach. We unpack practical, realistic money habits to help you survive December, avoid debt, and break the January struggle cycle.What we cover:- How to enjoy December holidays without going broke- Why emotions control your money (and how to manage them)- Budgeting, boundaries and saying “no” during holiday pressure- The January money reset that actually works- How to build an emergency fund on a modest income- Emergency Funds & why you need to get started- Black Tax: Supporting siblings/parents without sabotaging your own future- Planning for generational wealth - How to raise confident, financially aware kids- What families must teach teens about money- Debt traps, mobile loans and how to break the cycleKey reminders from Linda from this episode“We can’t budget emotions out of our money story.”“A strong mind and a stable wallet make for a peaceful home.”“Train up a child in the way they should go"“Start now. Start simple. Start small.”Whether you're preparing for the holidays, planning for school fees, or resetting for the new year 2026, this episode will help you protect your peace and your wallet.Remember your financial freedom is a gift to you, and the generations after you.Follow  @lindamakatiani2757   @finance4families  & @bethatwomanpodcast for more on money conversations