Now that we have decided to have a Finance Free Christmas and pay with cash, here are the next steps.
My husband and I had to adjust our Christmas gift giving for our family this year. Last week, our water heater gave out and I have a big repair on my minivan scheduled for next week. So my husband and I discussed over dinner, that we would have to scale back the amount of money spent on gifts for family. He was awesome and completely got it! What makes this situation better is that because I have a Baby step 1, a $1000.00 emergency fund saved for emergencies (like water heaters ha ha) we didn't have put anything on a credit card. So even though I had my Christmas budget set and all my gifts done ahead time...we still need to scale back because we need to build back up that Baby step 1 -$1000.00 emergency fund in the next two months. In the next week I will give you some ideas for gifts, crafted store bought and homemade. I will also tell you how I have all my Christmas gift giving done ahead time. So Frugalistas...make your list!
Keep it Frugal,
Hi! I am an Immanuel Lutheran Stewardship Champion but before that I was a Frugalista! I want to welcome you to Heather's Frugal Living. In my classes, you will learn my easy and savvy tips in how to live large on a small budget.