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	<title>Comments on: Answering a Reader Question About Our Christmas Budget</title>
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	<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/</link>
	<description>Our Journey to a Debt-Free Life</description>
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		<title>By: Prosper Blog: Prosper, the online marketplace for people-to-people lending &#187; Blog Archive &#187; Do You Need a Budget?</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-274026</link>
		<dc:creator>Prosper Blog: Prosper, the online marketplace for people-to-people lending &#187; Blog Archive &#187; Do You Need a Budget?</dc:creator>
		<pubDate>Wed, 19 Dec 2007 13:00:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-274026</guid>
		<description>[...] By many people&#8217;s financial standards, I have done very well without ever establishing a budget. In fact, to this day, I don&#8217;t know how to balance a checkbook. I have had a healthy income [...]</description>
		<content:encoded><![CDATA[<p>[...] By many people&#8217;s financial standards, I have done very well without ever establishing a budget. In fact, to this day, I don&#8217;t know how to balance a checkbook. I have had a healthy income [...]</p>
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		<title>By: Jason</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273728</link>
		<dc:creator>Jason</dc:creator>
		<pubDate>Wed, 19 Dec 2007 00:16:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273728</guid>
		<description>We just started contributing $25 a paycheck (biweekly) to our online savings account for this very reason.  We labeled the account &quot;Christmas Club&quot; and plan to withdraw the money around the end of November (in time for post-Thanksgiving sales, of course).</description>
		<content:encoded><![CDATA[<p>We just started contributing $25 a paycheck (biweekly) to our online savings account for this very reason.  We labeled the account &#8220;Christmas Club&#8221; and plan to withdraw the money around the end of November (in time for post-Thanksgiving sales, of course).</p>
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		<title>By: Blake</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273652</link>
		<dc:creator>Blake</dc:creator>
		<pubDate>Tue, 18 Dec 2007 19:54:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273652</guid>
		<description>What our family does is take a good chuck out of our tax refund.  If we ever have to pay then we are in trouble</description>
		<content:encoded><![CDATA[<p>What our family does is take a good chuck out of our tax refund.  If we ever have to pay then we are in trouble</p>
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		<title>By: Colleen in MA</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273633</link>
		<dc:creator>Colleen in MA</dc:creator>
		<pubDate>Tue, 18 Dec 2007 19:07:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273633</guid>
		<description>I just had an &quot;aha&quot; moment reading your post. &quot;[Spending] changes in relation to our cash flow (which I project months in advance in Quicken).&quot; I have reduced my credit card debt by 1/3 this year, but some months were very tight for me financially because my freelance income came in irregular batches. I&#039;m going to add another column to my budget (I keep mine in a spreadsheet in Google Docs) and based on what I think my cash flow will be for that quarter of the year, I&#039;ll project how much I will pay to my debt and how much I&#039;ll put towards my emergency budget. I know this sounds simple but when it comes to money I am a slow learner. Anyway, thanks for the insight!</description>
		<content:encoded><![CDATA[<p>I just had an &#8220;aha&#8221; moment reading your post. &#8220;[Spending] changes in relation to our cash flow (which I project months in advance in Quicken).&#8221; I have reduced my credit card debt by 1/3 this year, but some months were very tight for me financially because my freelance income came in irregular batches. I&#8217;m going to add another column to my budget (I keep mine in a spreadsheet in Google Docs) and based on what I think my cash flow will be for that quarter of the year, I&#8217;ll project how much I will pay to my debt and how much I&#8217;ll put towards my emergency budget. I know this sounds simple but when it comes to money I am a slow learner. Anyway, thanks for the insight!</p>
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		<title>By: Sherri</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273626</link>
		<dc:creator>Sherri</dc:creator>
		<pubDate>Tue, 18 Dec 2007 18:51:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273626</guid>
		<description>Thanks for answering my question and congrats that you didn&#039;t go further into debt for Christmas this year.  

Like many of the other posters said, I often try and avoid shipping costs by purchasing from Amazon or other places with free shipping and get the gift send directly to them.  I used to like getting things sent to me so i could wrap it and make it personal and then send it to my friend, but it just doesn&#039;t make sense to pay for shipping twice!

Also my best wishes to your family member serving in Iraq.  It must be a very hard time of year to be away from the ones you love.</description>
		<content:encoded><![CDATA[<p>Thanks for answering my question and congrats that you didn&#8217;t go further into debt for Christmas this year.  </p>
<p>Like many of the other posters said, I often try and avoid shipping costs by purchasing from Amazon or other places with free shipping and get the gift send directly to them.  I used to like getting things sent to me so i could wrap it and make it personal and then send it to my friend, but it just doesn&#8217;t make sense to pay for shipping twice!</p>
<p>Also my best wishes to your family member serving in Iraq.  It must be a very hard time of year to be away from the ones you love.</p>
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		<title>By: Rob in Madrid</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273620</link>
		<dc:creator>Rob in Madrid</dc:creator>
		<pubDate>Tue, 18 Dec 2007 18:38:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273620</guid>
		<description>From the recieving point of view nothing thrills myself or my wife when we get hand made cards rather than a store bought one. For grandparents or aunts and uncles have the kids make cards for them, trust me they&#039;ll be thrilled. Doesn&#039;t have to be perfect or even very nice it&#039;s the thought that counts</description>
		<content:encoded><![CDATA[<p>From the recieving point of view nothing thrills myself or my wife when we get hand made cards rather than a store bought one. For grandparents or aunts and uncles have the kids make cards for them, trust me they&#8217;ll be thrilled. Doesn&#8217;t have to be perfect or even very nice it&#8217;s the thought that counts</p>
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		<title>By: MVP</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273612</link>
		<dc:creator>MVP</dc:creator>
		<pubDate>Tue, 18 Dec 2007 18:17:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273612</guid>
		<description>Ugh, shipping...I agree, it&#039;s a real pain, and now, a real expense! We live far from my family and some close friends. I reeled last week after spending $65 to ship just four packages (and that was the cheapest option!).

Also, here&#039;s a part of our Christmas budget strategy: we have six nieces and nephews (and one on the way). My husband and I don&#039;t spend more than $10 on each of them, and we don&#039;t buy gifts for the adults who have children, except our generous parents. We simply can&#039;t afford it. With shipping, that all really adds up! Also, we only use cash, and we save $25 each month through the year into a Christmas fund account to help defray costs each December.</description>
		<content:encoded><![CDATA[<p>Ugh, shipping&#8230;I agree, it&#8217;s a real pain, and now, a real expense! We live far from my family and some close friends. I reeled last week after spending $65 to ship just four packages (and that was the cheapest option!).</p>
<p>Also, here&#8217;s a part of our Christmas budget strategy: we have six nieces and nephews (and one on the way). My husband and I don&#8217;t spend more than $10 on each of them, and we don&#8217;t buy gifts for the adults who have children, except our generous parents. We simply can&#8217;t afford it. With shipping, that all really adds up! Also, we only use cash, and we save $25 each month through the year into a Christmas fund account to help defray costs each December.</p>
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		<title>By: Ryan S.</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273591</link>
		<dc:creator>Ryan S.</dc:creator>
		<pubDate>Tue, 18 Dec 2007 17:29:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273591</guid>
		<description>For those who don&#039;t live nearby, I consider places like Amazon or Apple which ship &quot;free&quot;, or online gift certificates, or magazine subscriptions. Being in Hawai&#039;i, I understand all about being pelted with shipping charges (I once had a quote of $10,000 for UPS &quot;ground&quot; shipping for a 2.5 inch hard drive).</description>
		<content:encoded><![CDATA[<p>For those who don&#8217;t live nearby, I consider places like Amazon or Apple which ship &#8220;free&#8221;, or online gift certificates, or magazine subscriptions. Being in Hawai&#8217;i, I understand all about being pelted with shipping charges (I once had a quote of $10,000 for UPS &#8220;ground&#8221; shipping for a 2.5 inch hard drive).</p>
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		<title>By: Matt</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273535</link>
		<dc:creator>Matt</dc:creator>
		<pubDate>Tue, 18 Dec 2007 14:53:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273535</guid>
		<description>I work the same way - I try to keep the spending within a rough guestimate of a budget but the reality is often outside of this. As long as you don&#039;t take on more debt to get the gifts you&#039;re doing good.</description>
		<content:encoded><![CDATA[<p>I work the same way &#8211; I try to keep the spending within a rough guestimate of a budget but the reality is often outside of this. As long as you don&#8217;t take on more debt to get the gifts you&#8217;re doing good.</p>
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		<title>By: jaye</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273517</link>
		<dc:creator>jaye</dc:creator>
		<pubDate>Tue, 18 Dec 2007 14:12:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273517</guid>
		<description>My family celebrates Chanukah, which was early this year.  I feel like I finally figured out how to do it right!

In the past, it has been pretty stressful to come up with presents for 8 nights x 3 kids (no adult gifts).  This year, I tried to encourage my kids (12, 10 and 7) to agree on 1 big, expensive gift instead of a bunch of little gifts.  My reasons were two fold: For one thing, I have found myself buying &quot;filler&quot; gifts in the past, which drives me nuts.  Secondly, my kids generally don&#039;t really want that many things.  They each might come up with two or three things they want, but really don&#039;t have a big list (which can lead to filler gifts)!  Well, they chose NOT to do that, so I had to come up with another idea.

Here&#039;s what I did: this year I really relied on my relatives to buy them the gifts I knew they would really want!  In the past, I felt that it was important for the &quot;special&quot; gifts to come from us.  Not so!  Instead, when people called me in a panic, wondering what to get the kids, I suggested the things I knew they actually wanted!  This made my relatives happy (so simple...they knew exactly what to get to make my kids happy).  For example, my sons love Pokemon cards.  I won&#039;t spend my money on them.  My sister, however, was thrilled to get them Target gift cards...easy for her, perfect for them.  

My parents are very generous, so I relied on them to help out with things that were needed.  For example, my stepmother and dad got my oldest a new robe, which he both needed and wanted.  My mom and step dad got him a new winter coat.  Again, they were happy to give him things he wanted and needed.  My mother and aunt took my daughter clothes shopping.  They all LOVED it!   I think they all knew that helping us out was better than any gift to my husband and I, which we told everyone was unnecessary.

As it worked out, it was the best Chanukah ever.  We paid cash, and really didn&#039;t need to spend too much.  We bought books, and a few other gifts on sale.  We even gave them underwear and socks!  The kids never noticed the difference, because they were so happy with all of their presents! And no wasted junk!   

One last thing...a tip for long-distance giving.  Many of my relatives live far away, too.  I rely heavily on free shipping (LL Bean, Lands&#039; End, etc.)  I also bought magazine subscriptions for  a few kids.  Gift cards can be great, too, if you&#039;re not opposed to them.

Have a great Christmas!</description>
		<content:encoded><![CDATA[<p>My family celebrates Chanukah, which was early this year.  I feel like I finally figured out how to do it right!</p>
<p>In the past, it has been pretty stressful to come up with presents for 8 nights x 3 kids (no adult gifts).  This year, I tried to encourage my kids (12, 10 and 7) to agree on 1 big, expensive gift instead of a bunch of little gifts.  My reasons were two fold: For one thing, I have found myself buying &#8220;filler&#8221; gifts in the past, which drives me nuts.  Secondly, my kids generally don&#8217;t really want that many things.  They each might come up with two or three things they want, but really don&#8217;t have a big list (which can lead to filler gifts)!  Well, they chose NOT to do that, so I had to come up with another idea.</p>
<p>Here&#8217;s what I did: this year I really relied on my relatives to buy them the gifts I knew they would really want!  In the past, I felt that it was important for the &#8220;special&#8221; gifts to come from us.  Not so!  Instead, when people called me in a panic, wondering what to get the kids, I suggested the things I knew they actually wanted!  This made my relatives happy (so simple&#8230;they knew exactly what to get to make my kids happy).  For example, my sons love Pokemon cards.  I won&#8217;t spend my money on them.  My sister, however, was thrilled to get them Target gift cards&#8230;easy for her, perfect for them.  </p>
<p>My parents are very generous, so I relied on them to help out with things that were needed.  For example, my stepmother and dad got my oldest a new robe, which he both needed and wanted.  My mom and step dad got him a new winter coat.  Again, they were happy to give him things he wanted and needed.  My mother and aunt took my daughter clothes shopping.  They all LOVED it!   I think they all knew that helping us out was better than any gift to my husband and I, which we told everyone was unnecessary.</p>
<p>As it worked out, it was the best Chanukah ever.  We paid cash, and really didn&#8217;t need to spend too much.  We bought books, and a few other gifts on sale.  We even gave them underwear and socks!  The kids never noticed the difference, because they were so happy with all of their presents! And no wasted junk!   </p>
<p>One last thing&#8230;a tip for long-distance giving.  Many of my relatives live far away, too.  I rely heavily on free shipping (LL Bean, Lands&#8217; End, etc.)  I also bought magazine subscriptions for  a few kids.  Gift cards can be great, too, if you&#8217;re not opposed to them.</p>
<p>Have a great Christmas!</p>
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		<title>By: Sandy</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273492</link>
		<dc:creator>Sandy</dc:creator>
		<pubDate>Tue, 18 Dec 2007 12:51:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273492</guid>
		<description>Some years ago I noticed that I would spend more for groceries if I charged the purchases or wrote a check for them, so I wanted to go to an all cash basis where for some reason, I do spend less.

My grandmother  used a system that has worked well for us, although I don&#039;t recall her having coupons -- just store savings.

I bought a double pocketed coin purse separate from my billfold and filled one side with the cash we budgeted for groceries.  Then after each grocery trip, I calculated the amount of coupons I&#039;d used and added the store specials savings and &quot;paid&quot; myself by moving that amount to the second pocket of the coin purse.  The cash stayed in the purse in case of some &quot;grocery emergency&quot;; but, surprisingly, none seemed to arise.  The money also never was mixed with what I kept in my billfold.  At the end of the month (or twice a month), I deposited the money in my &quot;coupons&quot; savings account at the bank and by Christmas had a  very tidy sum readily available for presents.  Being able to pay cash for Christmas is a wonderful feeling.

Now if I can just make myself start shopping earlier and avoid the last minute rush ... Maybe next year!</description>
		<content:encoded><![CDATA[<p>Some years ago I noticed that I would spend more for groceries if I charged the purchases or wrote a check for them, so I wanted to go to an all cash basis where for some reason, I do spend less.</p>
<p>My grandmother  used a system that has worked well for us, although I don&#8217;t recall her having coupons &#8212; just store savings.</p>
<p>I bought a double pocketed coin purse separate from my billfold and filled one side with the cash we budgeted for groceries.  Then after each grocery trip, I calculated the amount of coupons I&#8217;d used and added the store specials savings and &#8220;paid&#8221; myself by moving that amount to the second pocket of the coin purse.  The cash stayed in the purse in case of some &#8220;grocery emergency&#8221;; but, surprisingly, none seemed to arise.  The money also never was mixed with what I kept in my billfold.  At the end of the month (or twice a month), I deposited the money in my &#8220;coupons&#8221; savings account at the bank and by Christmas had a  very tidy sum readily available for presents.  Being able to pay cash for Christmas is a wonderful feeling.</p>
<p>Now if I can just make myself start shopping earlier and avoid the last minute rush &#8230; Maybe next year!</p>
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		<title>By: Jessica zee</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273305</link>
		<dc:creator>Jessica zee</dc:creator>
		<pubDate>Tue, 18 Dec 2007 07:47:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273305</guid>
		<description>yes, I would agree. Not to incure debt would have to be a definiate proving factor. Budget and stay on track. regulate entertainment spending...</description>
		<content:encoded><![CDATA[<p>yes, I would agree. Not to incure debt would have to be a definiate proving factor. Budget and stay on track. regulate entertainment spending&#8230;</p>
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		<title>By: Mrs. Micah</title>
		<link>http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/comment-page-1/#comment-273115</link>
		<dc:creator>Mrs. Micah</dc:creator>
		<pubDate>Tue, 18 Dec 2007 04:51:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.bloggingawaydebt.com/2007/12/answering-a-reader-question-about-our-christmas-budget/#comment-273115</guid>
		<description>Well not incurring debt is definitely the biggest part! It can be hard to budget for presents, since Christmas is about being generous and giving lovingly. Some people I know set upper limits for what they&#039;ll buy for different people. x for spouses, x for children...and the total is a number they can afford to pay.</description>
		<content:encoded><![CDATA[<p>Well not incurring debt is definitely the biggest part! It can be hard to budget for presents, since Christmas is about being generous and giving lovingly. Some people I know set upper limits for what they&#8217;ll buy for different people. x for spouses, x for children&#8230;and the total is a number they can afford to pay.</p>
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