Banking Birthday ING Direct Money 
Family Balance Sheet
JANUARY 25, 2013
Creating a Christmas spending budget in January really made me conscious of where that money was going to come from. Also, the January-September months are so far away from when I do our actual Christmas shopping (Nov & Dec) that that money often times gets shifted towards other gift giving expenses, like birthdays.
For the Mommas
MAY 22, 2012
Rather than finding yourself in a position where you’re relying on credit cards for these expenses – and then wasting your hard-earned money on paying off those cards in the following months – try creating separate sinking funds instead. If there’s no extra money in your budget, there’s still hope, though. Bank Your Savings.
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