Family Balance Sheet

JANUARY 11, 2011

I then divided that new number by 12 and that is the dollar amount that I am going to transfer to a savings account every month. I'll use that money through out the year for birthday gifts along with Christmas presents in December. I added up what we spent on gifts for the entire year in 2010 and reduced that by 20%.

Christmas 138

Christmas 2011 Bills Credit Cards 138

Family Balance Sheet

JANUARY 25, 2013

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. I've never been diligent about transferring the Christmas money into a separate account. Also let us know how you saved the money.

Christmas 127

Christmas Club Goals Budgeting 127

Family Balance Sheet

MARCH 18, 2011

She has gotten cash in the past for her birthday or Christmas, but she would have preferred a toy so I have deposited the money in her savings account. She handed me the $5 without even flinching and that is when it hit me that it was time to start talking about money with her. Let us know in the comments. Thanks for reading.

Money 138

Money Equal Grandfather Daughter 138

Coupons Do Work

JUNE 15, 2016

Happy Birthday America! Other Items on Sale: Sunflowers, laptops, insect repellent, sunscreen, charcoal, swimsuits, gardening supplies and seeds, fans, camping gear. Summer Clearance Items : Camping gear, gardening supplies, bug spray, fans & air conditioners, BBQ supplies including grills, charcoal and lighters/lighter fluid.

Flowers and Plants 100

Flowers and Plants Cinco De Mayo Buy Buying 100