THE CHRISTMAS GIFT PLAN

Alright everybody, its exactly one month before Christmas. This also means MANY people are preparing to willingly go into debt to please family and keep up the annual tradition. I understand the tradition of gift exchanging but that dreaded "D" word (DEBT), I'm not on board. IF you want to join me in staying debt free for Christmas I've created a budget for ANYONE to use. It will help you keep track of gift recipients, cost per gift, and if you've overspent. We'll be using it at my home to stay within our designated budget using the cash we currently have allocated for Christmas spending.

The entire spreadsheet is already calculated for your use. Access the link below. To start your own budget, GO TO >FILE>MAKE A COPY to get started on your own personalized budget. Type in a number for "total budget" ONLY. The rest will work it's magic automatically as you enter information into the rows for each gift recipient.

EMAIL WITH QUESTIONS IF YOU NEED HELP!

START YOUR BUDGET

LUKE 14:28

"Suppose one of you wants to build a tower. Won't you first sit down and estimate the cost to see if you have enough money to complete it?"

(Let's plan ahead to complete our spending debt free)

proverbs 22:7

"The rich rule over the poor, and the borrower is slave to the lender."

(Let's decrease our odds of being a slave to our credit lenders and the associated debt by handling Christmas with cash money. Yea, some people are disciplined enough to handle their credit card bills monthly, but most don't)