M3 Holiday spending and holiday obligations

We end the year with how spending  around this time is so stressful because of ignorance, obligations or just commitment. We kinda give some ideas when and why spending should be smart, strategic and needful.   Also the dumb commitment of New Years resolutions.  Is there a good way of following goals other than national holidays? We use our myth buster segement to relate to the Origins of New years resolutions from further back than most would imagine.