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1st Meeting of the Christmas Savings Club

Family Balance Sheet

That number includes gifts for our kids, extended family members, teachers, friends, neighbors, bus drivers, service people, our Christmas cards, stamps, and our donations towards the Salvation Army's Adopt-a-Family program. I found half of the money from our spare change jar that is on my desk. So, how did I do in January?

Christmas 127
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An Easy Way to Save for Irregular Expenses

For the Mommas

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.