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Taking Christmas from Stressed to Blessed
Create a Christmas Organizing Ledger sheet for each area that you plan on spending money for this Christmas. Think about all the different places you spend money during the holiday season. If you have the Christmas Organizing forms, you will
Having a Christmas savings account and a Christmas change jar are two strategies for saving money for Christmas. A Christmas Savings Account is an easy way to save money for the holiday season, using a Christmas Club account or regular
Christmas Saving Packets will be where you put your other ½ of savings each month. The packets will keep this part of your money accessible to you throughout the year. The packets are envelopes to place your money into and
Take a sheet of paper and on the top write “Budget Stretchers” and on the sheet write down different ideas you come across that can help you stretch your Christmas money. For example, write decorating and then beside it put
Take a sheet of paper in your notebook and begin making a list of free and low-cost gift ideas. If you find the ideas online, print out the idea, and place it in your notebook. Here are a few ideas:
Where Oh Where Has my Money Gone? On what items do you spend money during the Christmas season? At Christmas, it is often not the big items that drain our money resources but rather the “little things” that we do
Budgeting is defined as “a plan for the coordination of resources and expenditures” (Merriam-Webster dictionary). Budgeting, for many of us, is a dirty word – but it does not have to be. By simply making a written plan and deciding
Budgeting, for many of us, is a dirty word – but it does not have to be. Creating a spending and savings plan for Christmas is a very important part of your Christmas organizing foundation. Many times when I talk to people