Subject:  Re: How much debt did this Christmas bring? |
Author:
HappyMom
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Date Posted: Wed, Dec 31/03, 10:59:am
In reply to:
Missy69
's message, "How much debt did this Christmas bring?" on Sun, Dec 28/03, 01:14:pm
Hi Missy69:
Well, I hope you and your family had a wonderful Christmas, giving you good memories.
A few years ago, we set a goal to pay off our debts, and to remain debt free. It was hard at first, especially at special times like Christmas. But one thing I learned is that my family knows I love them, and that I can show my love without overspending.
It's a shame that big business has caused Christmas to become so materialistic, putting undo pressure and stress onto people to give "the big gift".
Our kids are teens now, and I've tried to explain to them that the importance to the gift is the thought that is put into it, not the price. (I don't want them to think they have to blow their bank accounts to buy their dad and I marvelous gifts.) They surprised us with gifts that were things that they noticed we could enjoy ... and kept to their budgets too.
Missy - Perhaps what you can do is sit down with your hubby, and set out a budget for the year, including savings for next Christmas. Then you can relax and enjoy a debt free Christmas.... believe me, it is so nice not worrying about the bills while watching the family opening their gifts.
I took a look at the link at the top of this forum. It has some good stuff in it. Take a look at it, the information could help you head in the right direction.
Take care,
HappyMom
>I went way over budget for Christmas this year. I
>used three credit cards to make some purchases for my
>kids and hubby. I know we will be paying for it all
>year, but they will really enjoy thier gifts too, so I
>don't mind paying payments for the next several months.
>dh.... got a new big screen TV. with the entertainment
>unit to match it. $3200.
>kimmy got a computer for her room... $1200
>jess got new toys and a bike plus a bunch of clothes
>for school.... about $450
>
>Question... what should i pay off first. If I pay the
>big amount first, then the other amounts will get
>neglected.
>
>Maybe i should just pay a little to each card.
>dh won't be too happy about the new debts, he works
>overtime now to pay the bills, but I just had to have
>this stuff for them to show them how much I really
>love them.
>
>He doesn't know the exact value of all the things we
>got, but it's ok, as long as I can keep paying each
>month we shouldn't have to much problems.
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