Just like for everyone else, this is the busiest time of
year for us. We are cleaning, cooking, baking, and toing and froing with the
best of them! But we don’t want to lose sight of our goals.
Our goal is still to be under $18000 in credit card debt by
the end of the year. It looks like we should make it. Just barely…
As for everyone, Christmas is an expensive time of year! We
buy gifts, extra food, host parties, and spend money on experiences we have
together. And all of that makes paying down debt hard. We are going in the
right direction by decreasing our debt, but not at the pace we would like. I
just try to remember that as long as our debt is going down, we are making
progress.
Looking at our credit card statement, after interest, we
should have paid off about $1000 this month. With paying for Christmas, that’s
actually pretty good. We also have paid back $100 to our kids, and $345 towards
our car payment. We will be close to $1500 in actual debt paid off, but I’ll
have more exact numbers when I do our debt update.
As always, I’m sad it wasn’t more, but Christmas is an
expensive time of year that I did not properly plan for. Next year should be
different. I have already included a “Christmas” line item in my budget. I have
allotted $200 per month, so come Christmas time we should be all set.
This past weekend, we hosted a Christmas party open house.
The Husband just said to me we could save a lot of money by not having our
Christmas party, and he’s right. But I so look forward to getting to see
friends and family that we don’t see often enough that it is money well spent.
And hopefully, next year we will be nearly out of debt and will cash flow the
whole thing!
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