Christmas is Coming

Our Christmas Tree ~ LifeOfJoy.meWell, it’s nearly the end of November and I have only begun my Christmas shopping. By now, I am usually at least half way finished, but not so this year. I really don’t have any one else to blame but myself. ;) But I’m ready to get it into gear. Of course, I was last week as well, and then Tiffany got ill. When she is not feeling well, I am affected (not sure I used the correct word here even after I looked it up on two different sites, which I think confused me even more =)) ) and don’t get as much accomplished as usual. Also, my ankle was acting up and I didn’t think it was a good idea to go on a long shopping day in its condition.

At any rate, I love to make good memories and give gifts to loved ones at Christmas. Do you remember me talking about this back in April? No, well, it may be too late for you to do this for the current year but consider saving back some money each pay period for Christmas next year. Check out the post from April to see how I do it. Because that is the reason I can easily and joyfully buy Christmas gifts without any financial arguments. :)

I start my Christmas savings the week after Thanksgiving this year for next Christmas. Now you may be wondering why. You see, I like to have all of my Christmas shopping done by Thanksgiving, so I need to have all the money available by then. It works for me. I also built in enough savings to cover my expanding family for the next several years, budgeting for my children’s spouses (they are all in their 20’s) and for several grandchildren, of which I currently only have one. :) This means that if things are tight at any point throughout the year, at this time, I have a bit of breathing room or I can use the extra money for a family outing or special things we want as a family. Or I can simply put it away to go towards vacation next year. ;)

So, if you haven’t already done a “Christmas Club” or savings, put pen to paper and figure out how and when to start it for next year. :) It really is a game changer! Michael and I used to have so many frustrations over our Christmas budget and I felt bad that I couldn’t give as I would love to. Now, I can because we talked about our budget and came to an agreement long ago. :) (I tell the story in that post back in April.)

I hope this encourages you to have a Christmas budget conversation with your hubby and establish some habits that will make the holiday season flow more smoothly. Now, I have to get busy and get some more of my shopping done. ;)

Until next time, God bless,

Michele ºÜº

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