Almost every day of the year, I buy only the items we really need and really can use. I have trained myself to be a person who does not buy on impulse.
However, about this time of year, every year, when I have already begun the gift-buying process, I get bitten by the shopping bug.
You know that "illness" where you see something for a great deal that someone would like or that would be the perfect gift for someone possibly many months from now? You know that feeling like "it is such a good deal; I have to have this ... and now!"
Well, this year, I am going to resist that urge to overbuy. Typically, in the past, this is when the good old Mastercard would just fly out of my wallet and ring us up a big old debt to begin paying in January.
But, I stopped myself mid-buy yesterday. I can do this. I can do this. I can do this.
Less is more. Less is more. Less is more.
It has been a long road to get out of debt and there are many hills still to climb to get into a strong financial place.
The economy is in the toilet and we are a single-income family with employment related to the success of the auto industry.
Black Friday is a hard time of year. The credit card bug tries to rear its ugly head.
Just say no. Just say no. Just say no.
I am saying NO to debt after Christmas this year .... for the first time ever since the credit card issuers put my name on a card and gave me free reign.
It is hard.
I am doing it for my kids. I am doing it because it is the right way to do things. I am doing it because it is the responsible way to live.
How Do Car Manufacturing Companies Operate?
21 hours ago