Yesterday my calendar read “153 Days until Christmas”.   I’m passing this along so that you’re not caught unaware like I used to be.  I cannot tell you how many years we went into debt over Christmas spending – and I hate debt. When I look back though, it really came down to being unprepared.  Christmas comes at the end of December every year, yet I would be thrown off when it arrived. I had some money saved, but every year it wouldn’t be enough.  Then I would scramble and try to exchange money from our November and December budgets to try and make up for what I was spending.  After the money ran out, I just started using my credit card.  Come March, I was still paying off the balance from December… Continue reading “Christmas in July “ →