This Christmas, spend more time and less money. Get tips on how to keep expenses down in December, and how to make Christmas about spending more of your time—not money—on your kids (they want you more than stuff anyway). In this episode: How to Keep Your Expenses Down This Winter How to Avoid Spoiling Your Kids at Christmas My Husband and I Disagree on the Mortgage (What Should We Do?)   Resources: Term Life Insurance from Zander: https://www.ramseysolutions.com/insurance/term-life-insurance Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: Zander Insurance. The Rachel Cruze Meal Planner & Grocery Savings Guide: https://www.ramseysolutions.com/budgeting/meal-planner