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December 24th, 2007 at 08:48 am

This Christmas has been good to me. I have all of my shopping done, and I've spent less than $200 on gifts. I'm fortunate to have people in my life who don't overemphasize expensive gifts.

Q and I decided to set a $100 spending limit this year, and it has worked out quite well. It makes you think of creative ways to give to the other person, but it's not so frugal as to completely omit fun things.

So I spent $100 on Q, and I spread the other $100 out on my family. I already received $100 from my grandmother, so I'm pretty close to breaking even!

Now, changing the subject, I received some excellent advice in posts over the past couple days. One of my favorites is the "car fund." I think I'm going to begin putting $100 per month in my car fund. That way, when I do need to buy a car, I'll already have a nice down-payment ready without having to dip into my emergency savings.

In response to how I became so financially conscious at 22, I'm not sure. Both of my parents came from poverty and made it into the middle class. They made it by being extremely good with money. While we have only recently had formal "financial talks," their money skills rubbed off over the years. If I'm half as good as they are, I'll be lucky.

I hope everyone has a wonderful Christmas!

1 Responses to “Christmas!”

  1. Ima saver Says:

    Ihope you have a wonderful christmas too. Good luck with your car fund.!!

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