Monday, December 1, 2008

Christmas Cash Crisis - Again!

Good grief - there are only two paydays left until Christmas and once again I'm finding myself a little (lot) short in the cash department. Seems like this is standard operating procedure for me from year-to-year and you would think that I would have learned by now and opened up a Christmas account or something but no ... not me!

Part of the problem is that Christmas accounts are generally opened in October and the last thing I'm thinking about in October is money for Christmas. I wish that banks offered Christmas accounts that they opened in December so that those of us who didn't think of it sooner could then open one and at least have ten months of money put away before we find ourselves waking up one morning and thinking - darn! - only two paydays until Christmas - again!


  1. I do start saving for Christmas in January so usually have enough by November to make the spending a bit easier. :)

  2. We too save all year for Christmas so we don't charge anything. We are cutting back quite a bit this year too. Grand babies are the biggest thing we are doing and we only have two. Everyone comes here for Christmas dinner so that's pretty much Christmas for everyone.

    I hope you can figure out how to stretch out the funds a bit for a nice Christmas.

    Have a great day Linda. :)

  3. After my divorce in 1994, one of the other things I decided to change about my life was to get out of debt once and for all and live within my means. It wasn't easy, I can assure you! But I did it! For the first time in my life I started saving, and paying for things with cash/check. No credit cards! I'll bet my credit card companies really miss me! I do have one card, and I use it for just about everything, and faithfully pay the balance in full every month.

    My motto is, if I can't afford it, I don't need it!

    I'm also cutting way back this year. I am only buying gifts for my twin nephews and my niece. They are 9 and 10. The others are all between 18-29 and really do not need a thing!

    Christmas (to me) has nothing to do with all the retail hype and gifts. My favorite gift is spending the day together with loved ones, sharing a nice meal, some music, wine and conversation. And I try to do that as often as possible! You just can't put that in a box and wrap it up!

  4. the christmas club came in handy and was taken right out of my check so i didn't miss it but since being laid off it sucks. worrying about money is way too stressful.

  5. get busy and make your kids and grandkids something special! you know, with all that FREE TIME you have!!!

  6. Anonymous11:31 AM EST

    HEY! Well atleast you'll have me for Christmas this year and we need to plan time for me to hang out with thje cousins and Theressa ^_^


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