I’m thinking about the minimum amount of money I held myself to for Christmas this year. I’m not even putting up the stockings this year because it would encourage my family to spend even more to fill the stockings.
I got my teenage granddaughter a travel kit of skin cleaning brushes and a tri-folding mirror that lights up. She stays at her friends’ houses so much that she’ll definitely use it. I also got her a wooden carved ballerina.
I got my 35 year old daughter a different set of skin cleaning brushes and a drinking glass with her favorite decal applied – a flowery skull.
I got my two-year old granddaughter a big stuffed Hedgehog. She has so many hedgehogs of various materials and sizes. Her birthday was December 20th, so I already got her two other stuffed toys.
And I got the family several bars of Halva (sesame seed paste) candy. It is yummy and good for you.
So thinking on beyond Christmas I won’t have large bills coming in from Credit Cards because I only used the minimum for Christmas Shopping and I actually started well before Thanksgiving. So I spaced out my shopping.
I also treated myself to a few turtle neck sweaters from Land’s end. They are so soft and fit just right.
If you went whole hog and used the credit cards for high-expense items, you may want some help after the New Year.
Did you know that most personal bankruptcies are filed right after the New Year? That’s sometimes the only option that people have after maxing out their credit cards. They often don’t even have enough money to pay their monthly bills on them. If you are in this position, you want to definitely see a credit counselor. Many offer their services for free.
Another option is to join Wealthy Affiliate. At Wealthy Affiliate you can learn to create an online marketing business that will make you passive income. Wealthy Affiliate will teach you every step of the way how to create a website of your own and make money from it.
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