Holiday Spending
This is a very susceptible time of year for many holiday shoppers to blow their budgets. If you are a chronic offender, choose to break the cycle this year by having a cash only holiday. Not only will January be a lot cheerier with no massive credit card bill looming, but it has an automatic spending control built in. When the money runs out, you stop buying.
Homework:
Figure out how much you can afford to spend (that's the easy part) and don't spend above that (this is the HARD part). Be creative with your purchases. Great gifts don't always have to cost a lot of money and you certainly don't have to buy the entire toy store for your kids or grandkids.
"But godliness with contentment is great gain. For we brought nothing into this world, and it is certain we can carry nothing out. And having food and raiment let us be therewith content." 1 Timothy 6:6-8
"You cannot keep out of trouble by spending more than you earn." Abraham Lincoln
"Spending is quick, earning is slow." Russian Proverb
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