Christmas Goals Making Do Newsletter 
Family Balance Sheet
JANUARY 1, 2015
My husband and I make some financial goals at the start of every year. When I run the numbers, I realize it’s going to take years before we can scream, ”WE’RE DEBT FREE”, our ultimate goal. In 2013, The Christmas Savings Club encouraged all of us to save monthly so that we could have a cash Christmas.
Frugal Luxuries
OCTOBER 1, 2012
The mere act of writing it out has already primed my thoughts and attitude toward my goals for the month and.as My micro-goals for achieving this are layered and consist of a series of tasks such as bringing the extra television downstairs to replace the old one in the nook. What are your goals for this month? the carpet.
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