Spending and Christmas

Tis the season to spend and spend and spend. We have been much more diligent about using cash for all or most of our Christmas shopping in the last several years. I am certain that there are a lot of folks who feel that a cash advance is the only way to manage Christmas these days. I am glad that we made the decision to put money into a Christmas Club account every week. I know that it isn't the best way for everyone but it works well for us. It happens whether I think we have the money to put away or not. It takes that decision away from me which is very helpful. We also use some of Tom's Christmas bonus to pay for Christmas. Next year I am going to work hard at just spending less on Christmas.