with this free trip to orlando-in which i know i will spend money- and these two future holidays, i am having a hard time attacking my debt. i keep telling my self 'just wait till january'. yes i know that probably isnt the best idea, but all i know i can do is keep my spending to minimal and try to keep to a buget.

I have a very large extended family and Christmas is one of those holidays I love and also dread. I love the family time it brings but I can’t stand the useless spending of gifts that are given just so a person can say that they gave you gift. I like to give gifts to kids but I know they will only like it for a few months and will just go it to the closet. I try to tell my family and friends to just buy for the kids and that I don’t need anything... mostly b/c i am not in a finical position and also will feel obligated to get them something in return. I do love Christmas and the meaning but it defiantly has turned into a consumer buying holiday and that is sad.