Cash Christmas on a Budget

It’s the most wonderful time of the year… or so we sing… yet many people approach Christmas with nothing but stress. I know, I have been there.

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From stressed Christmas…

Everywhere I go I hear people talk about how Christmas does not need to be all about presents and spending money but let’s face the facts… most of us do at least some of that. And more often than not, people would like to be able to do even more than their budget allows. For years, December rolled around and my bank account had nothing more than enough money for a tank of gas. We always made the most of it… making gifts… finding creative ways to spend time together. Those were humble Christmas’s and although filled with wonderful memories, I was always sad that I could not do more.

… to stress-free Christmas!

Then along came Handsome… who swept me and my four daughters off of our feet!

Marrying a wonderful man did not automatically bring better Christmas’s… we still had a tight budget… but he had a plan. I just have to take this opportunity to publicly praise Handsome and  thank him for literally making my Christmas’s stress free so that I can better focus on the true meaning of Christmas.

I am hoping that by sharing this, there just may be someone else that will experience less stressful Christmas’s for years to come.

His plan is simple… yet makes a tremendous difference and enables us to approach Christmas without going into debt. There is always the opportunity to set up a separate savings account, but when times are difficult through the year it is easy to make those funds accessible. Instead, Handsome pays a little bit extra each month on all of our bills throughout the year so that  when December rolls around, there is nothing due. He basically takes all of our on-going basic monthly bills… cell phone, internet, utilities, insurance… and divides their average annual costs by 11 and then begins paying that amount each month.

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Giving to others makes Christmas even better!

It is simple. It is only a little bit more each month but it adds up. It is always fun beginning in March to see the amount due is less than the usage for the month and then watching that grow. When December arrives, there is nothing due… and less bills for the month=less stress!

There does not appear to be a way to apply this plan to revolving accounts or loans such as our car and house payments, so those bills still roll in for the month, but all of the other bills add up quite a bit.

We are able to plan our Christmas to not only bless our children with some gifts under the tree, but also be able to do some special things for families in need around us. Doing something for others is what makes our Christmas even more blessed.

Thank you Handsome!

 

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