How is it done!!! ?
Find a Conversation
| Sun, 11-22-2009 - 11:35am |
I swear I have no idea how people afford the holidays without saving for them.
In looking at my expenses this upcoming week I am SOOOOO thankful I have bought 95% of my xmas gifts. This check we get on Thursday of this upcoming week is our mortgage payment check. It's always our "smallest" check meaning we don't have a lot of extra play money. We have enough for gas, groceries, bills and thats about it.
I am realizing with this tight check we have the expense of buying a christmas tree, doing my holiday baking (I have most of the basics on hand - flour, sugar, chips....but do need to buy a few ingredients), I want to go out on black Friday and get my DH an IPOD so I have that expense......Oy. Oh, and my wedding anniversary is Dec 6th so we will hopefully at least be able to go to dinner.
Just so much EXTRA. I can't imagine if I had to buy more gifts on top of all that.
Just makes me thankful that I've budgeted well so far but makes me realize I have so far to go when it comes to budgeting for upcoming expenses!!!

Good for you on the budgeting.
I do my budget with money devoted to Christmas my pays from the end of November through Christmas, I don't put extra on the CCs that month, but I am still paying my minimums from January, so it is an overpayment on all debts.
I personally plan well ahead of time.
I've budgeted for several years and have trimmed the shopping over the last two years to a much more practical level.
Norma
"Patience is the best remedy for every trouble"- Plautus
Honestly--this year is going to be tough.
I have a christmas club account, but the last two years, I have not been good about contributing to it at all, a little bit, but not a lot.
Thanks for eliminating more of my excersize :) !!!