Welcome to the latest series!



The goal of

THIS SERIES is to equip you to pay CASH for next Christmas!

Text is Step 1 Determine how much money you want for Christmas next year and Link is http://iwasbroke.savingadvice.com/2008/01/02/save-money-for-next-christmas-part-1_33544/

Step 1 Determine how much money you want for Christmas nex...

The goal in this step is to use the

Text is Mini-Budget Form (Excel) and Link is http://www.josephsangl.com/wp-content/plugins/wp-downloadMonitor/download.php?id=3

Mini-Budget Form (Excel) to determine the amount of money that you want for next year's Christmas.

Step 2 Save EVERY month for Christmas next year

You know the amount that you need for next Christmas! Congratulations! You have taken a HUGE first step toward being able to have a debt-free Christmas next year! Now, you need to save that amount! Jenn and I save 1/12th of our Christmas every single month. If our Christmas savings needs to be $1,000, we would save $83.33 every single month.

By saving every month, we really reduce the impact that Christmas has on our November and December budgets. In fact, it allows us to actually ENJOY spending money for Christmas because we are not worried about how we are going to pay off our credit cards!

Here is a chart to help you determine the amount to save each month.