It is so important to me to be totally debt free someday. I want it so bad I can almost taste it. I was flipping through Dave Ramsey's "Total Money Makeover" the other day and one of the bold captions read:
"Christmas is not an emergency."
"Christmas is not an emergency."
I love that.
Don't give in to all the hoopla that you have to spend thousands or even hundreds of dollars on gifts this Christmas--especially if you can't afford it. And like Dave says, do not dip into your emergency/savings funds just to afford Christmas. I know we are certainly cutting back this year in our family.
Be smart and follow some of the tips below:
Don't give in to all the hoopla that you have to spend thousands or even hundreds of dollars on gifts this Christmas--especially if you can't afford it. And like Dave says, do not dip into your emergency/savings funds just to afford Christmas. I know we are certainly cutting back this year in our family.
Be smart and follow some of the tips below:
