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...]