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Discussion Starter · #1 ·
Christmas shopping is done, aside from a few groceries, and not a credit card used. Not even one in my wallet anymore. It was much easier not to overspend when my budget was all in one separate bank account, so I could see where I was at any time and adjust my "holiday cheer" accordingly.

*pats self on back*

Since paying off the cards, the one we kept is for emergency use only. And contrary to my rationalization, a boot sale is not really an emergency.

Good girl, T.
 

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congrats, that's great!

I got rid of my credit cards a couple years ago. I have one that is used solely for emergencies or to make hotel reservations. And it is paid off immediately.

Mine was a Cash Christmas as well, and I baked for the majority of my gifts this year.
 

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Discussion Starter · #9 ·
I do not like you! GRR! Even b4 I got to the how it was paid for - I did not like you! You are done Christmas shopping? GRR!
Yup. I power-shopped, lol. I left Steve in charge of the little things like batteries, CF cards, and gift cards, etc. I made a list and stuck to it as closely as possible, and got it done in 2 days.
 

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Discussion Starter · #11 ·
Good for you!!! You should be proud of yourself!
Thanks. You know, I actually am, seriously. In years past, I had always though "what's a little extra debt? we are carrying some anyway." But it is a big deal, if you can't pay your balance in full when the bill comes due. After getting rid of our debt, there is precious little that will make me use a credit card for anything that I don't have enough cash for. We scaled back this year, and we aren't gifting with siblings, just parents & kids, which made it easier to stick to my "cash diet". Slowly re-training my brain, and I haven't felt this good going into Christmas season in quite some time, and I know i won't have that heavy cloud when it's over, or hide from the mailman, lol.
 

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All cash Christmas here too (for the last 4 years), but I am not done shopping yet. I hope to get the last few gifts tomorrow. It does feel good to be able to open the mail without a sick feeling in your stomach.
 

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Great work! Especially on being done! I'm finished with my gifts, but told my Mom I'd go out with her tomorrow and help her finish her shopping.

John and I have some credit cards that we use to save airline miles since we're so spread out from his family and my Grandma, but they are paid in full each month. I usually only use my debit card though, so he can't see what I bought him :)
 

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Isn't it a relief? We've been doing all cash Christmases for a few years now. We stick to a very strict Christmas budget, which helps to curb the overspending on impulse purchases, which I can be very guilty of for my kids. lol
 

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I only deal in cash now all year round, not just christmas and you are right, it is a great feeling that we are all done and...still in credit at the bank!

I don't have any cc's now either, just a pre-pay one I can load up with cash and use for online purchases.

Being in control of the finances is a good feeling for sure :)
 
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