The first Christmas that we really took our debt problem serious I knew that I needed to significantly scale back our Christmas spending. I was already on such a tight budget that even spending anything was a problem. It wasn’t that we made not money, it was that we had SO MANY PAYMENTS.
credit card payments
school loan payments
hockey registration payments (this is a real thing in Minnesota)
life insurance payments
health insurance payments
The list goes on…
Can you relate?
So I committed fiercely to stop the madness…