Stalling out over the holidays

iVillage Member
Registered: 07-27-2009
Stalling out over the holidays
Tue, 11-13-2012 - 10:52pm

Does anyone else feel like they are stalling out over the holiday season? I have been on this journey for a few years now and I feel like putting everything on hold and using the extra cash this month for nice presents for the kids and parents. I have not been able to for several years, so I feel like this would be a nice thing to do. They all help out so much (especially now that I am in Master's classes every night) and I want to express my appreciation. I know, I know they don't NEED these gifts but I would love to show my gratitude with gifts that they need/want but won't purchase themselves. I have researched some perfect gifts for them and I would not be using credit to purchase them...Anyone else with holiday debt repayment fatigue?

JenAaron.jpg picture by jen2075


iVillage Member
Registered: 04-10-2003
Wed, 11-14-2012 - 1:05pm
I feel you. I consider this time of year a success if I don't go furhter into debt! I am lucky because I only pay property taxes for 10 months of the year. I still budget as if I pay them every month, so November and December I transfer the money into my Christmas account. I also add to it each pay so usually by this time of year I am covered. But to be sure, I usually divert money to the account until all bills are paid and then refocus on debt. In terms of debt fatigue . . . I hear you! I am so sick of it. Addmitedly, I am not in as much of a rush to pay it off as I could be, so I really need to get back on the wagon!

Bex -

iVillage Member
Registered: 10-09-1999
Wed, 11-14-2012 - 12:36pm

Oh, yeah fatigued here too.  Just trying to hold our heads up.  We have purchased a few gifts & already paid for them but of course that could have gone to pay down our mortgage!  We are also going on vacay in Dec & I know that will cost us, & our escrow is short & we will need to pay that in Dec & our house payments will increase in 2013 & we have dr bills to contend with also.  But fortunately I get a large end of year bonus & hopefully a bit of a raise in January.  Here is to treading water...


iVillage Member
Registered: 11-14-2008
Wed, 11-14-2012 - 11:08am

Hi Jen,

I know what you mean. Those cute little babies and people that help out with them are important! I have no idea what to get my MIL either. She baby sitts sometimes. I 'm going to try to make it something she will actually use and if I can think of something, perhaps something that is functional that will make her life easier.

For the baby I got a bunch of clearance items in the summer she will love to play with all for $10! I am going to make a contribution from us to her education fund. That will be more important for her future. Plus others will spoil her as they have mentioned doing so already!

We all get debt fatigued, trust me on this one. We have been doing it for a long time too. Eye on the prize and what it will feel like to be debt free!

iVillage Member
Registered: 04-08-2008
Tue, 11-13-2012 - 11:04pm

We are completely "debt fatigued" here.

I would love to buy some cool presents for everyone but I won't. Luckily I have a couple of things I got really cheap during the year for DS1. ($14 on something regularly $30 and $9 for something $25) I bought my niece a board game she already had so requested books instead...DS1 will get that too :)

DH and I are just not buying anything for each other. I want this part of our lives to be over as quickly as possible so in the end it is not worth it.

But if you know if you will be disappointed if you don't do that!