I'm a pushover by using the funds I have available. I don't use Credit Cards. Just cash. When its gone. I'm done. I did find out a secret though. I start the day after Christmas. I buy things on Sale throughout the year. Then at Christmas or for birthdays, no matter how broke I am, I always have a gift. Don't have to wait in long lines anymore, don't have to be told, "Sorry, we're out of stock.", and I don't have to get depressed! I can actually enjoy what the meaning of Christmas is. It is the most liberating feeling. Think about it. Christmas comes the same day every year. You think we'd be ready for it. I can't afford to spend a bunch of money in one month. Thats crazy! I can keep my hair and my nerves intact! LOL Merry Christmas! Enjoy those you love while you can....
at 10:36 PM on Dec. 24, 2010