article thumbnail

2019 Christmas Savings Club

Family Balance Sheet

How did you do with your Christmas spending in 2018? But if those gifts were paid with a credit card that doesn’t get paid off as soon as the bill arrives, any savings from store sales, coupons, and/or rebates might be negated from the interest accrued. A credit Christmas equals: a “how are we going to pay for this” Christmas.

2019 100
article thumbnail

Family Office Manager

Family Balance Sheet

After 20 years, I switched from Quicken software to You Need a Budget (YNAB) software in 2018 for our household. Pay our bills in a timely manner. Most are now set up on automatic billing which almost makes this a non-issue, but early on when I mailed actual checks, paying bills on time was a top priority.

Office 130