Welcome to the third installment of the Momdot Christmas of Dreams Blog Party!
Nov. 14, 2008
Topic:
Have you started your Christmas shopping yet? Do you budget for the holidays? Do you always stick to your budget? Share with us any budgeting tips you may have!
Day Three Blog Party Question is Brought to you by Appledonia, Hippos Toes and My Bag! Be sure to visit their homepages & check them out.
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Christmas shopping is normally a lot of fun for me, but not so much this year. My car accident cost us almost $500 that wasn’t planned and then we spent about $200 helping Chrissy out with her car accident. So, needless to say, we are broke. We haven’t really bought anything for Christmas yet.
I picked up a little something for my FIL at Halloween time and a trinket for my Mom last week (it was on sale for less than $3). But, other than that, we haven’t bought anything.
We desperately try to budget for Christmas, but it always seems like something comes up. We planned on $1,000 this year, but never actually saved the money up.
We do have a budget for the rest of our expenses, though. Tim manages our money. He tells me when I have money to spend and when I need to be frugal. I mostly listen. I don’t really want for much. (Except a baby!)
We follow the Dave Ramsey principle of paying off your smallest debt first. We started over a year ago, paying off our lowest loan as quickly as possible. We put a tiny bit over the minimum on all of our other bills except for the target bill. Then on the target bill we put all of our extra money from each pay check. That way we were able to pay it off a lot faster than expected. Then we moved to the next lowest loan. We’ve done pretty well this way.
Well, that's all for today, I'm off to go blog hopping!
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6 comments:
sorry about the car accidents!
{{{ hugs }}}}
Also sorry to hear about the car accidents!
Best wishes for you during your TTC. I hope you have good results with the Metaformin. I, too, have PCOS & used it with my second child.
We went through all the sperm anazlysis, etc..., too. I hope you get 'lucky' (grin) this month & don't even need it.
Hang in there! Feel free to drop me a line if you ever have the need to chat with a fellow cyster. ;)
I'm sorry to hear about the accidents!
It seems like you have a great plan to pay things off. I really need to be more organized like that.
I hope you win some great holiday stuff. You should go to
mommygiveaways.com
it's a contest listing site, I have won a lot of stuff off of blogs for this year already.Good luck
that's terrible about the accidents... seems like that's always the way it happens.
we love dave ramsey. we have (and read) total money makeover, and listen to his radio show daily. we don't follow him to the letter, but we got out of debt following his plan.
good luck!
I keep hearing about Dave Ramsey. I need to check that out so long as Steven would help lol!
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