Community Chat

[sunshine45]

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.

[Boomernichols]

@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.

[ThinkingOutLoud]

Nope. I've never been one to run up my cc.

[GoneButNotForgotten]

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@deepwaterdotter wrote:

@kitcat51 For us also, I share your "ugh".

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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. 

[FranandZoe]

No because I'm aware of what I'm charging.  I actually pay my credit cards off twice a month in full.

[Grace729]

The credit card is neutral as is the balance - it's the meaning imposed on it that incites or engages fear. Watch the mind 

[Chopsmom]

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@FranandZoe wrote:

No because I'm aware of what I'm charging.  I actually pay my credit cards off twice a month in full.

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I did that too when I worked.  Next to the car payment, it was my second expense out of my paycheck.

[Helen Bach]

terrified.  I overdid it this year and now it's time to pay the piper

[GenXmuse]

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. 

[ALRATIBA]

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.