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.

Christmas 138

Christmas 2011 Bills Credit Cards 138

Family Balance Sheet

JUNE 25, 2011

If your holiday planning went smoothly last year then you might not feel any urgency to think about Christmas 2011, but if you overspent, shopped at the last minute and paid the price well into spring then you might want to rethink this year's strategy. Did you pay cash or use a credit card to buy gifts? Hit the Restart button.

Christmas 157

Christmas Credit Cards January Budgeting 157

Family Balance Sheet

MARCH 4, 2016

In 2011, Andrea and I were normal. Then one day it all came crashing in on us in February 2011. NO, we can’t afford to buy 152 gifts for Christmas this year”. “ Finally in November 2011, just 7 months after we started, we looked down on paper and realized we were one payment away from debt freedom. The Last Payment.

Debt 100

Debt Finds Debt Free Television 100