Planning for Christmas 2011
Family Balance Sheet
JANUARY 11, 2011
Since we use credit cards for almost all of our purchases, we are paying the bills now for our Christmas presents. I have now decided to add gift giving to the list of cash categories. I added up what we spent on gifts for the entire year in 2010 and reduced that by 20%. I'm hoping that if I plan now, I'll spend less later.
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