Christmas 2015 and Debt

Christmas 2015 is just around the corner and with it, if you are not careful, is debt. Many of you might have failed to plan ahead and saved for Christmas. You decided that a Money Blueprint (Spending Plan, Budget) was just not for you. You might have created a Money Blueprint, but failed to adhere to it. Now, Christmas is looming. Are you going to reach for the credit card and add onto your debt or are you going to be wise and start living on a Money Blueprint now?

While living on a Money Blueprint for two and half months might not seem like it will work, it will. By sticking to the Money Blueprint, you will be able to take care of your four walls; you’ll be able to tell your money where to go. You won’t be left wondering where your money went. You’ll be saving money for Christmas. It might not be a whole lot, but most importantly, it will keep you from charging stuff on your credit card.

Right now, if you have credit card debt, put that card away and don’t use until all of it is paid off. Don’t buy gifts for everyone in your entire family, nieces, nephews, cousins, aunts, uncles, grandparents, in-laws, etc. If your family is one that loves giving gifts, suggest a gift exchange for one person each. Don’t be afraid to let them know you are on a Money Blueprint (Budget). They might all be relieved that they won’t have to buy a ton of gifts, as well.

Let’s face it, most of us can’t remember what we received for Christmas last year or maybe the some of the gifts you received you returned to the store because you didn’t like them. Avoid debt and spend only what is allocated in your Money Blueprint and no more.

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