It's amazing that because I have looked into my budgeting techniques, I have started paying off my debts at a much faster rate than I had been doing. I am now well on the way to paying off my Visa Card. I will then be able to start saving for either the unforseen that may happen, or spend up big on Christmas, when my son arrives home for a holiday.
I have thought long and hard about Christmas presents - who should I buy them for, and how much should I spend. I already have my son's presents worked out, and have purchased the first one. The others are harder, as my friends have everything they need. I consider it is time I started my Christmas window-shopping, to see what's out there.
Also important in the scheme of things is my Christmas card list of friends and relatives which I use to send Christmas cards out. It's time I undertook that as well. I usually write a letter with each card, as I often don't communicate with people apart from Christmas time.
It's obviously time I got busy.
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