Christmas list......check

[Rising Phoenix]

So I was budgeting next month and I planned on buying my nephew's xmas present next month because I happened to see it for a great price.
I thought, how nice to have this out of the way. IDEA
Instead of buying all my xmas presents in November or December and having to shell out that lump sum of money, I am going to buy one xmas present a month until the holiday. Seeing how I get paid once a month, and I have 6 presents to buy this will work out well, one month I'll have to buy two, but that is ok. So I just wrote out my xmas list and I know what I am getting everyone, except for my sis, I have part of hers picked out and know the other part, but it depends on if she is buying a dog as planned. Go Me!

Merry Fing Xmas

[AwakeAtLast]

1. I've done that for many years

Being a Music Teacher means that I have to make the month of December as stress free as possible. I've learned over the years that if you see it, buy it, because it may not be there next time.

Go you!

[Rising Phoenix]

2. thank you

I feel very unstressed and organized. It was a big adjustment living while paying off my breast reduction loan ( I am still waiting for a partial refund check). The payments are high cause I wanted a low intrest and to pay it off real quick.......less than a year of payments left :woohoo:

But I've finally gotten into the swing of things.

Money sucks.

[AwakeAtLast]

3. I would love to say that money was easy to manage

One divorce held me back a long time. I'm now to the point where I think I'm able to handle it.

I'm 39, so I better have it down by now, lol!

[Rising Phoenix]

4. I hear that

I had some bankruptcy problems when I was younger. Luckily I have been able to do pretty good job restoring my credit and will have a clear record in a year or so.

I'm 32......so I also have to know what the hell I'm doing. hehe