Cash or Credit?

  Have you gone over your gift buying budget? Did you have one in the first place? Will you be singing the Christmas blues when that credit card bill comes in January? You won't be alone if you do.

  Most people don't plan or budget for the holidays. And we really should. We all buy more food, alcohol and "extras" than we ought to. With company in and out, the fridge door never seems to stay closed. And while we wouldn't have it any other way, every time it opens you can hear a cha-ching....I know that's not spelled right but you get my drift.

  I have a cash only rule. Whatever I buy for someone else must not be on a credit card. That doesn't always come true but I can honestly say this year it is. Would you really want that sweater or jewelry from me if it meant the kids wouldn't have cereal next month? Of course not. 

  We all need to be a little Grinch-like. Your kids don't "need" the most expensive toys or clothes. Every friend and family member doesn't "have" to be shown how much you care with a pricey sentiment of your love. Hopefully, because you know how some families are, they want nothing from you but your company and happiness. Fingers crossed.

  While you are out fighting the crowds this weekend, looking for the perfect gift for the person who has everything, remember these wise words...

  It's not the cost of the gift that counts...it's how pretty it's wrapped. 

  Ang