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12-18-2022 02:10 PM
not really......
i have my own personal christmas club fund.
i do the 52 week money challenge and the 365 penny a day challenge throughout the year.
i begin using the cash accumulated for the holidays to purchase whatever items that i need for gifts and whatever is leftover goes to the credit cards.
i end up with $2,045.95 doing both challenges.
12-18-2022 02:11 PM
@GoneButNotForgotten NO, I am rhe captain of my ship so I am the responsible party for any charges I incur. I have a budget and adhere to it accordingly.
12-18-2022 02:13 PM
Nope. I've never been one to run up my cc.
12-18-2022 02:17 PM
@deepwaterdotter wrote:@kitcat51 For us also, I share your "ugh".
me too. I put aside my best estimate of what our property taxes will be (i.e., I divide my guess by 12 and put that amount aside every month). Taxes are going up rapidly so when I make my estimate, I increase the previous year's amount by about 10% or so.
12-18-2022 02:36 PM
No because I'm aware of what I'm charging. I actually pay my credit cards off twice a month in full.
12-18-2022 03:00 PM
The credit card is neutral as is the balance - it's the meaning imposed on it that incites or engages fear. Watch the mind
12-18-2022 03:17 PM
@FranandZoe wrote:No because I'm aware of what I'm charging. I actually pay my credit cards off twice a month in full.
I did that too when I worked. Next to the car payment, it was my second expense out of my paycheck.
12-18-2022 03:18 PM
terrified. I overdid it this year and now it's time to pay the piper
12-18-2022 03:22 PM
I paid off two credit cards in the last few months and working on my third so I'm not charging anything this year to get out of debt.
12-18-2022 03:25 PM
No. I"m able to pay off the entire balance each month.
I put off my retirement until I was on a sound financial basis and would not have to worry about money. I saved for years.
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