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Sensible Seasonal Spending

It’s the season for crazy spending. After Black Friday, you may be a little tired of seasonal spending already, and I’ll bet that your wallet is as well. What can you do to make the season a little more sensible in the money department? Set a budget, and set one for each individual too. It’s easy to go over budget when you allot a certain amount of money for Christmas, but you forget to itemize your budget. Give each family member a certain budget for a gift or two. If each adult in the family gets a $40 gift, then … Continue reading →

Christmas Club

Remember Christmas Club accounts? The Clubs were popular during the Great Depression. The point of the account was to deposit money regularly throughout the year and then withdraw the funds before Christmas. The account earned interest and was probably set up like a CD. It was a great tool to take some of the stress out of Christmas shopping. It’s so much better to prepare for the event than to go into debt with spending. The end of November is the wrong time to start a Christmas Club for this Christmas, so what can you do to minimize the damage … Continue reading →

What Would You Buy If You Had $30 to Spend? (2)

In this blog, I continue from yesterday talking about the internal debate that occurs when a frugal person, like me, has $30 to spend free and clear. Kohls, a small department store offered me a $30 reward to spend any way I liked in the store. So the other night, while our house was being shown to potential buyers, we headed over to make a purchase. Andrew, my brilliantly frugal five-year-old son, voted for an attachment to our mixer, which I thought was pretty sensible. We headed over the the appliances, and I was secretly hoping that the waffle mixer … Continue reading →