Christmas Morning 2011
Guess what? Christmas is less than 6 months away! Are you ready? No, I don't mean gifts! Rather how you're going to pay for those presents. When Dave implemented cash based budgeting for our family several years ago, we started setting aside a small amount of cash each month specifically for Christmas. As simple as the concept sounds, we never considered saving for Christmas prior to reading Dave Ramsey's Total Money Makeover! We always bought gifts on credit and stressed over the bill in January. But now, our holidays are free of financial stress. We get to fully enjoy the season with our family and friends without worry. It's also a comfort knowing that if something were to happen today, like the loss of a job, we've already got Christmas covered (at least for the kids). Just a small amount set aside each month now, will make a big difference come December!
Make it a GREEN Christmas this year. Save and pay cash!
Budgeting resources we've found helpful:
The Total Money Makeover: A Proven Plan for Financial Fitness
by Dave Ramsey
The Money Saving Mom's Budget
by Crystal Paine (The Money Saving Mom)
Dig Out of Debt
by Jill Cooper and Tawra Kellam