Frugal Christmas Planning Starts Today

If you think it’s too soon to be talking about Christmas, please read the following two preamble statements. Preamble #1 – I’ve got kids.  3 months before Christmas is a perfectly appropriate lead time to start talking about Christmas. Preamble #2 – I live overseas.  As my wife has been reminding me, it can take six weeks (or more) to send a package here, so if we want to get something for … [Read more...]

The Hidden Benefits of Decluttering Your Home

As the New Year is in full swing, you may have made resolutions that include decluttering your home. This is one resolution that some allow to fall through the cracks, or if they do get to it, they wait until the annual ritual of Spring cleaning to get motivated (unless we are talking about disposing of unwanted Christmas gifts). Although this may be tempting, there are several reasons why … [Read more...]

50 Homemade Christmas Gift Ideas | Make Personalized Gifts 2012

It happened accidentally. I guess it really happened by circumstances.  Our family (my wife and kids) started giving only personalized homemade Christmas gifts to each other.  When I explained how to cut cost by being resourceful, the truth is that some places require resourcefulness.  We live in one of those places.  As such, for the last three years we have had to make homemade and … [Read more...]

Debt-Free Christmas | It Can Be Done

Christmas is coming. Last Christmas I was amazed at the number of people who do not have debt-free Christmases.  I guess this couple is ‘normal’ as they celebrated their first debt free Christmas in 10 years. I am a big proponent of thinking and planning ahead.  This is self evident in my post about planning today for tomorrow and my post about beginning with the end in mind. 2008 was a … [Read more...]