If you didn't save up for Christmas AND don't want to spend money you don't have on a credit card, try cash flowing Christmas! Here's how!

Cash Flowing Christmas

Christmas is fast approaching, and I’m already hearing people joke about putting Christmas on their credit card. In the past, I’ve written about saving up little by little over the course of a year for Christmas spending. If you’re reading this in December, it’s too late for that (for this year). …

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How to Tell if You Have a Serious Spending Problem

People often feel like they don’t have enough money. Often, people think the solution to their financial problems is making more money… an “income problem,” if you will. While it’s possible that you do have an income problem, it’s also very possible that you have a spending problem or an expenses problem. So how …

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Doing these 50 small things will save you $10,000 this year! One idea - skip gifts with your spouse for a whole year and save at least $500. Here are some alternatives to expensive gift-giving.

Skip Spouse Gifts for a Year

If you’re accustomed to exchanging extravagant gifts with your spouse, skipping gifts for a year may seem extreme. But, hey, when you really want to get out of debt, it has to be a little extreme. Plus, it’s just one year. I guarantee that in 5 or 10 or 20 years, …

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How to stop impulsive spending: The one thing I did to change my spending habits completely!

How to Stop Impulsive Spending

I recently read “The Power of Habit,” by Charles Duhigg. Besides being full of fascinating insight about the habits of our brains, our corporations, and our society, it also gave me some key realizations about what some of my personal habits are, and how to truly change some of them. I hadn’t …

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Budgeting 101 #5: How to Actually Stick to a Budget

This is the 5th post in an ongoing series called “Budgeting 101.” You can read the rest of the posts here. I wrote a post about making a budget, and I think it’s helpful if you’re new to budgeting. But especially around this time of year, I hear so many people say, “oh …

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cutting costs at Christmas: brown paper packages tied up with string

Cutting Costs at Christmas

I love this time of year. From right before Thanksgiving all the way through New Year’s. I love how simple Thanksgiving is, and I love Thanksgiving food dessert. Then, I love baking cookies and getting out the tree. I love the mostly quiet mornings and evenings by a dimly lit tree …

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A debt free Christmas can sound daunting: start saving now! Here are some ideas for having a debt free Christmas this year.

Have yourself a Merry Little Debt Free Christmas

Perfectly thoughtful gifts for 15 people = $750 Homemade cookies for neighbors & coworkers = $50 a new nativity because my old one is so 2013 = $25 ugly sweaters for the whole family, because that’s a thing now = $50 Christmas cards = $200 Different cute dresses for all …

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