Curious...Paying for Christmas/Holidays
Post ReplyPost New TopicPosted 12/6/2012 by MrsScrapDiva in NSBR Board
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Abby-n-Matts_mommy
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Posted: 12/6/2012 6:01:28 PM
I start buying gifts in September so its not all at once and I grab an item my kids want when its on sale.

Not only does tbis save me money, but my sanity. I dont have to deal with holiday madness. I was done shopping for the kids Nov 4.

I also don't have to worry about an item being out of stock. My son loves dinosaur train so we got him Arnie, this huge walking dino. No one has had him since early Nov. I got it for him in Oct.

For my dd I spent roughly $265 (went 15 over budget) and cor my son $ 186 (64 under budget).

For referrence my dd is getting canon camera, ag outfit and book, 2 craft kits, og doll kitchen, og doll scooter, and art kit. Ds is getting 2 rescue bot transformers, dinosaur, tie fighter, lego duplo set, transformer police set, and helicopter.

Every one of those items was on sale with savings between $3 and $50.



Tuva42
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Posted: 12/6/2012 6:05:35 PM
When we first married we had a Christmas Club savings account, but no longer. We keep a budget every month and have for years so we know what Christmas will usually cost us and we budget for it. We use credit cards that pay cash back and pay them off in full each month.


Laurie

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Posted: 12/6/2012 6:06:39 PM
I pay for everything with my credit card that I get points with and then pay it off when the bill is due in full. Years ago when money was tighter we would budget for Christmas and put so much aside each month.



Peal
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Posted: 12/6/2012 6:10:34 PM
We save all year and we use our cash back bonus from our credit card. This year the CBB will cover nearly all of Christmas, so the money we saved will be a nice cushion in our account.


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StuckOnPeas

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Posted: 12/6/2012 6:16:12 PM
We save a set amount each month starting in January. I think of it as a monthly bill.

For the things that I charge (for online shopping), I pay out of the Christmas fund as soon as I get the bill.

This is my 3rd year of doing it this way. In the past, we used my DH's Christmas bonus to pay for Christmas- after the fact, but then one year there was no bonus (and they waited until Dec 22nd to tell the employees)...never again will we do that!!!

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StuckOnPeas

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Posted: 12/6/2012 6:21:12 PM
I charge everything and pay the bill in full when it comes in.

singlewitch
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Posted: 12/6/2012 6:21:24 PM
Never, ever on a credit card. That's for emergencies ONLY. I hand-paint and sell Christmas ornaments. That's our Christmas budget, plus the extra money my husband gets for a week of overtime in November. We never spend more than that.


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Posted: 12/6/2012 6:29:27 PM
We have separate income streams that are devoted just to paying for Christmas.

For instance, we always cash in our Discover, Visa card points and have it direct deposited into the checking account. We cash in coins. Throughout the year, I sell my books at Half Price Books, and anything I make from garage sales or filling out surveys all goes into this fund.

Whatever that totals to around the first of November is my budget, and I determine what I'll spend on each person on my list using that total. (I keep receipts from any gifts I bought through the year to "reimburse" the household budget from this angle.) This way, the holidays happen outside of our budget.

Julie



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Posted: 12/6/2012 6:36:57 PM
We budget throughout the year for it, but a portion of it is through our Discover Card rewards. We charge everything throughout the year and in November I turn it all in for gift cards - either to use as gifts or to purchase gifts. This year I got almost $800 in gift cards. The reason I do that instead of cashing it out for cash is that you get higher value gift cards for the money. For instance, you can turn in $20 for $20 cash or for a $25 gift card. They have hundreds of gift cards to choose from.

The rest of the Christmas budget is paid for (on the Discover) but paid off when the bill comes. We don't take vacations throughout the year - we camp almost every weekend for about 4-6 months and so Christmas is where we spend our money. Everyone does it their way - this is what works for us. My sister and her family hardly spend any money on gifts, but they take a 2-week vacation to Florida every Christmas school break. They love it and it works for their family.

ETA: Clarification - we charge EVERYTHING throughout the year, but pay the card in full each month. We didn't pay any interest in 2012, so the rewards are truly free money. In 2011 we paid $36 in interest because I forgot to change the routing and account number on our automatic payment when we switched accounts.


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mdoc
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Posted: 12/6/2012 6:41:33 PM
We charge everything and pay it off when the bill arrives (some will be billed in December, some in January). We spend quite a bit over the holidays, but fortunately can afford to pay it from current cash flow and cash on hand.

giatocj
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Posted: 12/6/2012 6:49:36 PM
I have our budget broken out over 4 weeks per month, so every month that has a 5th Friday I take the amount of one of our paychecks and put it away for Christmas. It works beautifully for us.

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Posted: 12/6/2012 7:03:01 PM
We do a Christmas Club..Which is just a savings acct. We can take the money out anytime. I am glad every year that we did it. We feel no pinch to take care of Christmas..gifts, food etc..If we have left over money ... we roll it over or use it for vacation.
I will admit that our budget is much smaller than a lot of peoples for gifts. My kids get stuff all year so we don't spend 500-1000 on gifts per kid. YEARS ago we cut back. I can see someone doing that if the kid gets a birthday gift and Christmas gift all year long. I feel like we do gift giving every month.



wippea
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Posted: 12/6/2012 7:11:23 PM
Cash/debit. Just the two of us and we set a spending limit depending on our financial situation each year. I start saving January 1st, set aside a little money every two weeks and by the holidays it is more than sufficient. I think he uses his year end bonus.

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Posted: 12/6/2012 7:16:26 PM
I don't mind sharing. I put aside $125 per month for Christmas. It's a regular line-item on my budget. That adds up to $1500, which is about right for what we spend on gifts for everyone, and I try to make sure the budgeted amount covers shipping gifts, stamps for Christmas cards, and groceries for Christmas dinner, as well.. My DH will often buy a few gifts on his own, also, that don't come out of the "family budget" money. I am just the kind of person that has to budget for it each month, and I do the same with vacations.


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Rebelyelle
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Posted: 12/6/2012 7:24:51 PM
I work on commission, and have since DH and I got married. We put everything on the AmEx (it has the best miles/points option) and then pay it off in one lump sump the first week of January when I get my Q4 commission check. If we start shopping earlier in the year, and therefore need to make payments earlier, we set aside a chunk of the Q3 commission to pay the earlier balances. Most years, the bulk of our spending is in December though.

If/when I no longer work a job based on commission, or if my commission schedule somehow changes, we'll put aside a chunk each month for holiday spending.



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Posted: 12/6/2012 7:25:32 PM

From other posts here, it seems like gift giving is upward of $500 - $1000 if not more (multiple electronics, Legos, AG Dolls etc)

And then times that by however many people are in the family.

When we were starting out, we would put 300 a month in a savings account from Jan to Oct and then withdraw it in Nov and that was what we spent on Christmas, not a dime more. It was actually called a Christmas Club account and earned a nice rate of interest so long as we made our deposits by the due date each month (I think the 25th), otherwise it dropped down to a lesser rate, so we were dedicated to making that date!

Over the years that has certainly expanded as we have had children and so have our siblings, since we gift our nephews and niece until they are 18 costs grew yet again. We stopped doing the Christmas Club maybe 10 years ago and now we just suck it up and pay it out of our budget.

But I am a big fan of saving ahead of time if that is how you can do Christmas debt free.




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Posted: 12/6/2012 7:30:14 PM
I usually buy Christmas gifts over several months so I don't have to worry about coming up with a large portion of money at one time. However, my total Christmas spending is usually under $200 so not quite the range the OP is mentioning.

This year I have a new Discover card that's interest free for a year and gives 5% cashback. So, I did all of my shopping on black Friday and used that card to pay for everything. I earned $20 cash back during Nov/Dec and will have it paid off by February or so, with no interest accrued.

catholicone
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Posted: 12/6/2012 7:32:33 PM
We charge everything (bills, gas, groceries, tuition, everything we can charge goes on our credit cards) all year, pay it all off every month and earn mega points on our credit cards.

We cash out our credit card points and use it for gifts and combine that cash with coupons, sales, etc.

ETA:

One year I set aside $20 a week starting in September and used that to buy many of our gifts. I try not to go over $1,000 for kid/husband/our parents' gifts. Sometimes it happens, sometimes not.

Another year I started a "Rainy Day" fund through smartypig.com thinking I'd use it to buy a big gift for DH. Didn't end up using it (used cc points instead--that was the first year I realized the value of using credit cards in a healthy way). BUT, the reason I chose smartypig is that you can cash out your savings for gift cards and if you do that, select retailers add a certain percentage to the gift card as a thank you. So for instance I believe Macy's adds 12% if you choose one of their gift cards. If I was planning on buying something from Macy's for Christmas (or whenever) I'd cash out for that amount and when I got the gift card I'd use a coupon (they send out 20% off all the time) and go get that gift at a discount and let Macy's take care of 12% of the tab for me

Michelle Rae
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Posted: 12/6/2012 7:34:18 PM
Cash, debit. Don't use charges anymore. Setting up a Christmas Club in January so that if anything unforeseen happens Christmas will still be covered.

As for how much people spend... I think it depends on income and lifestyle and circumstances. We have one 15 year old ds. My parents are the only other people who buy for him. They have 7 grandchildren so they spend about $50 per child. My brother is divorced. So his kids get gifts from him, their mother, both sets of grandparents, and uncles and aunts. My sisters kids have their parents, two sets of grandparents, and 4 sets of Aunts and uncles that buy for them. So I do spend more on my son as we are basically the only ones buying for him.

We buy for his birthday and. Christmas. If he wants games or gadgets during the year he buys them.



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Posted: 12/6/2012 7:34:41 PM
What little I personally am buying will be cash/debit, a lot of my Christmas will be homemade. My daughter uses her charge and pays it off at the end of the month. Together we probably spend less than $500.00.


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moodyblue
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Posted: 12/6/2012 7:36:47 PM
I have some money taken out of each paycheck; it's directly deposited in a credit union account. I use this money for Christmas. I also get cash every payday, that I use to pay for things like gas and small meals out and stuff like that. I put aside another $20 each paycheck this way, so $40 a month on top of the money in the credit union account.

I charge things that I buy online (and I do more online shopping each year) and pay them off as the bills come in. I used to withdraw the Christmas money and get cash, but this year I will take it in a check and deposit it in my checking account. The $20 bills I've been stashing will be used for items I buy with cash.

jjjulee
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Posted: 12/6/2012 7:43:59 PM
Cash for gifts. We spend less than $100 per kid on actual gifts. I pick up stocking stuffers throughout the year.

CreativeEngineer
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Posted: 12/6/2012 7:57:14 PM
I hit the SS cap in Oct, so that's a nice chunk extra in each paycheck for three months that I use for Christmas. I also take all my stamping and scrapping money and spend it on gifts.

I try not to be too extravagant. We have everything we need and I frankly don't want more junk in the house or more electronics I need to police. I tend to give a lot of homemade gifts to people too. Jams, jellies, cookies, card sets/stationary, and this year sugar scrubs and hand crocheted scarves.





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Posted: 12/7/2012 6:47:31 AM
DHa and I get paid the same week so every pay we put $200.00 in an account. From Jan to Aug that money goes to the summer vacation. From August to December it is Christmas money.


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606slz
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Posted: 12/7/2012 6:50:31 AM
We have a HSA and I save all of my slips and cash it out in Dec and use that money. Usually it's around $1000. The rest we just buy (with cash)
We don't spend more than $1500.

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Posted: 12/7/2012 6:56:12 AM
We never charge anything other than using the card for online deals. My husband gets a small bonus around christmas and I get the opportunity to work overtime at my job and I use that money. If I have to take a couple hundred out of our savings for something I dont really get stressed out about it. It probably makes more sense to save all year but we never have done that.


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Posted: 12/7/2012 6:58:55 AM
We haven't had credit cards for a long time, so we got very used to doing without charging anything. We pay as we go!

Now, for the last four years, for part of my business, I have done a Christmas baking service, and it usually pays for Christmas and then some. Last year it paid for a good chunk of our trip to Disney.

I'm a bit down in numbers this year for orders, so we'll see!


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Posted: 12/7/2012 7:12:47 AM


I do Christmas Club through my credit union. I love it, and have done it for years. It's fun to get that check.

I THINK that I read that the average person spends about $750.00 on Christmas-total. But I wouldn't swear to it.

schizo319
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Posted: 12/7/2012 7:21:58 AM
We just buy our stuff, but we don't typically buy big ticket items for Christmas and I ususally start shopping in October.



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Posted: 12/7/2012 7:28:23 AM
This year I have paid cash. I don't even have a credit card anymore, and haven't for years. I hope to never have one again. Next year, I will be setting aside a portion of my tax return to cover Christmas and birthdays.

I also have to say I only spend about $50 per parent, and $100-$150 per kid (I have two).


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Posted: 12/7/2012 7:44:03 AM
Mostly cash. There are usually a couple things we have on credit or layaway type payments but I try and shop early to prevent too much of that. I hate still paying for stuff in January.


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PEArfect
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Posted: 12/7/2012 7:47:17 AM
We charge everything, keep our receipts in a separate envelope to keep track, and then take money out of our savings to pay for all of it.


Jen


melanell
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Posted: 12/7/2012 10:07:15 AM
No charging anything at all. No, no, no. That is not how I want to start off the next month. I do shop online, but I either pay with my debit account or I use the credit card and then make an immediate payment to the card online.


We save money throughout the year, and then I also ramp up my ebay selling from Sept. through the first week or 2 of December.


I also earn a little bit of extra money from 2 family members each year for doing their holiday shopping/wrapping as well.

And that pretty much takes care of it for us every year.

Plus, I try to take advantage of sales, coupons, specials, swagbucks, ebay auctions, some secondhand items for my own family, etc., etc..

If I were to list everything I have purchased so far, it would appear like I spent more than I really did.



Oh, and yes, around here at least, you can still absolutely open a Christmas Club at banks or credit unions.

I started having my own Christmas Club at 10 years old. I used to put part of my allowance into it. It was a pitifully small amount, though, so I had to learn creative gift giving at an early age.

Back in those days they would give you a decent gift for opening a Christmas Club, but it was always household related and nothing a 10 year old would want. So each year I'd give the gift to one of my grandmothers! LOL!

melanell
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Posted: 12/7/2012 10:24:37 AM

My kids must be seriously deprived. We spend maybe $250/kid on gifts - MAYBE. Probably closer to $200/kid. One "bigger" item and a few
smaller things.


This is how we do it as well, but we also buy gifts for many other people.

DH & I, the kids, 2 sets of grandparents, 4 nieces/nephews, aunts/uncles, 4 cousin's kids/teachers/friends/angel tree kids, then the general costs involved with Christmas, as well. There's the tree, cards, stamps, baking supplies, fund raisers, multiple charitable donations, food for parties or events, Christmas related events we attend or go to, etc..

The money we save or earn specifically for Christmas covers so much more than just gifts.

The last few things I sold this year will covered our annual Christmas day-trip to Hershey, for instance. We spend more on that than we spend on either of our kids individually.

raindancer
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Posted: 12/7/2012 10:31:51 AM
We pay cash, over 2-3 paychecks. We spend about $3k for both of our kids birthdays, parties (one is end of Nov. and one is beginning of Jan.), and all of Christmas for everyone.

In all 17 years we have been together we have always paid cash. My sisters inlaws take a loan out every year and pay it off over six months. They go crazy. I always wish I was on their Christmas list. My sister and her husband get such amazing gifts each year. My inlaws join in our $30 gift exchange. Haha.


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raindancer
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Posted: 12/7/2012 10:31:57 AM
We pay cash, over 2-3 paychecks. We spend about $3k for both of our kids birthdays, parties (one is end of Nov. and one is beginning of Jan.), and all of Christmas for everyone.

In all 17 years we have been together we have always paid cash. My sisters inlaws take a loan out every year and pay it off over six months. They go crazy. I always wish I was on their Christmas list. My sister and her husband get such amazing gifts each year. My inlaws join in our $30 gift exchange. Haha.


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Posted: 12/7/2012 12:11:29 PM
we pay cash but if we use the credit card I always have the money in the bank to pay for it. I don't ever count on paying it off based of money not there & we don't ever carry a CC balance. We also don't use tax return as a "savings account", we pay every year.

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Posted: 12/7/2012 1:31:55 PM
This year, I've used my bonuses for Christmas. I haven't charged anything that I didn't payoff right away. Cash only. I used my Kohls card for the perks, but went home and paid the balance off right away!


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Posted: 12/7/2012 2:58:52 PM
I just started to add up in my head how much I spend on Christmas and I'm like

I guess I never really paid attention before. We use credit cards and pay it off every month. January's bill is usually a little crazy but DH gets a check from the family business in December and that usually pays for it.


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Posted: 12/7/2012 3:20:04 PM
When our DD was still a baby we had a very lean year and didn't have money for Christmas. We borrowed just enough from my sweet FIL to get her a small gift. That year we also started an account that gets automatic deposits from my paycheck every other week. We DO NOT TOUCH this account (we might in the case of job loss, true emergency, etc) unless the expense is a gift of some kind (we use it for birthdays and such too). I can't begin to describe how low stress Christmas and birthday gift-giving is now. The money in that account is our budget and when it's gone we're done buying. I've encouraged other family members to do the same but I'm not sure they've done it yet. I think they'd really be surprised how quickly you can get accustomed to having a few dollars less each payday, especially when it comes out before you can see it in your account. Also, an amount as small as $20/pay period can add up quickly. If you get paid every other week like I do, that's $520 a year!
Another advantage is if I see something I know someone on my list will love in July, I almost always have the funds to buy it then.
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justbecause
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Posted: 12/7/2012 4:26:39 PM
We get points from our credit card. First, we use that which accounts for about all of one kid's presents usually. The rest, we charge but spread out as much as possible. We pay off our cc every month except Nov/Dec/Jan. This year, I think that's going to end up being spread out a little bit more due to a few other expenses. We'll see.

We try to keep the total budget under $800 with the boys taking up about $500-600 of it.



KathrynPea
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Posted: 12/8/2012 12:30:25 AM
I am going small this year. I just bought a house and put all my money towards a down payment and getting set up. Dd11 is getting a necklace watch/locket. It cost $20. I would have paid more. I gave her a dog. She got that one early because the pound doesnt hold dogs for Christmas. DS 24 is getting a Stanley Cup Champion Kings hat. My DIL is getting the boots we picked out on Black Friday that I got for free using my Kohl's cash. My DGS is getting some Fisher Price toys that were half off. My DAd is getting a #10 can of beans straight out of my food storage. Believe it or not he will probably like this better than anything else I have bought him in the past. Ironically, my Mom wanted a new electric can opener. I got that half off at Kohls too. My DS29 is getting a part for his dirt bike. His wife is getting French white serving dishes that were half off. I am spending the most on my aunt 84 to the Nutcracker. Total = $200. This is the least expensive Christmas but I gave each person a perfect gift for them. I used to spend waaaay more than that.

We have planned a lot of activities that will take the place of extensive gift unwrapping that we would do in the past. We are all bringing a dish so one person doesn't have all the responsibility and the expense. We each have something we make well.

I have asked for a bird feeder a humming bird feeder, and framed photos. These are things i really want badly and the are inexpensive. It has been so much fun doing Christmas on a smaller scale. We are getting more joy out of it for some reason.

TexasBorn
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Posted: 12/8/2012 1:17:16 AM
We don't use charge cards anymore. There was a time we did..and hated the after Christmas bill. Last year I did figure something out. We always bought toys but our oldest grandson was 15, asked fo nothing. Our granddaughter said anything we got her was fine, the then 7 yr old had a list a mile long but said he really, really, really wanted a pet, the Lego Pirate ship and another big Lego item. I saved money by buying both Lego items. I gave one of them to my daughter to give him on Christmas from Santa as their money was tight. She was grateful. I knew the oldest would enjoy money and so would the eleven yr. old granddaughter. That's not fun for grandparents. We buy stocking type stuff and one simple open gift and give money. My husband asked me how much cash I needed for the daughters and SIL and grandkids. I had talked to my daughter, mother of the 7 year old, and told her we were giving some money, and for the grandkids it would be $100 apiece. She squealed and said...Don't you dare. We do not want to get a dog at this time and if you give him $100 he knows how much the fees are at the pound and he's been saving his own money and keeps spending some of it so he never has quite enough...lol. So we gave the oldest grandson $100 and the granddaughter $75 and the youngest $50. They were all happy and thought they were rich. We were worried they would compare the cash amts but they didn't. The oldest did say...boy, I never got big Lego sets like that. I said..well you never asked Santa and he said. Oh. That's why. We did buy him things like that but his Mom was single after he was 6 months old so we had to buy Santa and gifts from us. I think last year was the first time we only had to buy grandparent gifts. It sure was nice. This year is the same...so that's 2 years in a row and we hope it stays that way. They still don't know when we were Santa at times. Ok. Novel is over.

TexasBorn
PeaNut

PeaNut 543,185
February 2012
Posts: 382
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Posted: 12/8/2012 1:21:26 AM
We don't use charge cards anymore. There was a time we did..and hated the after Christmas bill. Last year I did figure something out. We always bought toys but our oldest grandson was 15, asked fo nothing. Our granddaughter said anything we got her was fine, the then 7 yr old had a list a mile long but said he really, really, really wanted a pet, the Lego Pirate ship and another big Lego item. I saved money by buying both Lego items. I gave one of them to my daughter to give him on Christmas from Santa as their money was tight. She was grateful. I knew the oldest would enjoy money and so would the eleven yr. old granddaughter. That's not fun for grandparents. We buy stocking type stuff and one simple open gift and give money. My husband asked me how much cash I needed for the daughters and SIL and grandkids. I had talked to my daughter, mother of the 7 year old, and told her we were giving some money, and for the grandkids it would be $100 apiece. She squealed and said...Don't you dare. We do not want to get a dog at this time and if you give him $100 he knows how much the fees are at the pound and he's been saving his own money and keeps spending some of it so he never has quite enough...lol. So we gave the oldest grandson $100 and the granddaughter $75 and the youngest $50. They were all happy and thought they were rich. We were worried they would compare the cash amts but they didn't. The oldest did say...boy, I never got big Lego sets like that. I said..well you never asked Santa and he said. Oh. That's why. We did buy him things like that but his Mom was single after he was 6 months old so we had to buy Santa and gifts from us. I think last year was the first time we only had to buy grandparent gifts. It sure was nice. This year is the same...so that's 2 years in a row and we hope it stays that way. They still don't know when we were Santa at times. Ok. Novel is over.

Kristalina
Never mind, I forgot what I was going to say.

PeaNut 40,938
June 2002
Posts: 8,724
Layouts: 45
Loc: Middle of the Monterey Bay - Ca.

Posted: 12/8/2012 1:31:28 AM
I usually just spend the first paycheck or two in Dec on gifts. So I guess we use cash, but don't really save up for it.

I keep thinking of a Christmas Club through the bank. $20.00 a week would be around $1,000. That would be more than enough for us with some left over. I should set it up this year...


******************************************************************
XOXO, Kristi ~
When you see crazy coming, cross the street!

slicksister
StuckOnPeas

PeaNut 115,093
November 2003
Posts: 2,805
Layouts: 60
Loc: NorCal wine country

Posted: 12/8/2012 1:36:02 AM

I use all cash and spend less than $500.


Me too.



Woobster
The Banana Under the Couch Pea

PeaNut 295,941
February 2007
Posts: 7,869
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Loc: Somewhere over the rainbow...

Posted: 12/9/2012 12:19:07 PM
We just use our debit cards. We probably spend towards the top end of that spectrum, but we buy for quite a few people and pets as well.

FLCindy
Ancient Ancestor of Pea

PeaNut 154,236
June 2004
Posts: 5,750
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Loc: South Florida

Posted: 12/9/2012 4:12:44 PM
I pick things up when I find them on sale throughout the year. We reduced the amount of gifts we give others. DH gives to a few at work. I stopped working so I'm not giving my ex co-workers gifts.

DS says he doesn't want any gifts. Why? He knows he should reciprocate. He doesn't want to be bothered.

My Sister and Brother said they can't exchange gifts this year. Fine with us.

My Mom decided to not exchange gifts as she and we can buy what we need. Mom has COPD and it's gradually getting worse. For us, it's time together that makes it's special.



Cheers from Southeast Sunny Florida!
Cindy
Stash Dash layouts: 56 completed! 0 to go
Completion deadline: NSD (National Scrapbook Day) May 3, 2014

freecharlie
Trying to think of a new title

PeaNut 109,127
September 2003
Posts: 21,754
Layouts: 4
Loc: Colorado

Posted: 12/9/2012 4:16:32 PM
Just answering from the OP and then will go back and read:

We have $25 2/month go into 2 different accounts. This is part of the money we use for Christmas. DH picks up a couple of extra shifts in November and December and I use that money.

We don't charge things at all any more. I found I didn't pay it off like I thought I would and instead would only pay part of it.

I probably spend $200-$500 per kid (we have two) and another $300 on other gifts. DH gets about $300 and he got me something that cost $225 + some other things. I shop Oct, Nov, and Dec.

Seems excessive now that I've typed it out.


Tribbey: I believe, as long as Justice Dreifort is intolerant toward gays, lesbians, blacks, unions, women, poor people, and the first, fourth, fifth, and ninth amendments, I will remain intolerant toward him! [to Ainsley] Nice meeting you

hollymolly
PeaAddict

PeaNut 137,841
March 2004
Posts: 1,730
Layouts: 0
Loc: Arkansas

Posted: 12/9/2012 4:26:56 PM
I use my debit card, so that counts as paying cash. As far as how I pay for it, I live below my means 11 months out of the year. In December I actually spend what I make.

I spend more on DS now because he is an adult, so his wish list is more expensive, plus he's an only child, and I'm single now, so he's the only one I have to spend money on.

I was a dirt poor single mom for his first ten years, and then married to a selfish jerk for the next ten, so it makes me happy to be able to totally spoil him now.
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