Subject: Re: How much debt did this Christmas bring? |
Author:
msmeow
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Date Posted: Thu, Jan 01/04, 08:28:pm
In reply to:
HappyMom
's message, "Re: How much debt did this Christmas bring?" on Wed, Dec 31/03, 10:59:am
Some good points there, yes I agree that things get too commercialized and we get sucked into thinkin that we HAVE to spend to show ppl we care.
>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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