I know you say that to yourself every year. January arrives and your dreaded credit card bill (hopefully it is only ONE!) sits in your mailbox waiting to mock your promises. You quickly run figures through your head and guesstimate what you are sure it not as bad as you think.
OPPS, you are wrong AGAIN. How did it get that bad?
Well, this year will be different. Why? Because you are going to use CASH, and CASH only. Take out what ever your budget is per person and spend that - and only that. You may have to be more savvy on what you spend and think things over a bit more but I guarantee you will have a much happier new year if you keep to "cash is king".
I know things do come up. We went shopping last week and was shocked at how much we spent at the liquor store. When company is a plenty this season, stuff does add up. But where one can save......
Remember, that kids don't need everything they ask for - pick one main present that you know they want the most and stick to it. It does not need to be the most expensive thing either.
If you give them everything they want, they have nothing to work towards right? You appreciate things more when you have to work for it.
