No I am not spending Christmas with Dave Ramsey but I am using his principles this season. Dear hubby and I have tried to save each year for Christmas and pay cash. We have been doing that for around nine or ten years. We would take $20 each week and put it in a cup and that would be our savings for Christmas. There were always weeks we did not put that money aside but for the most part we stayed on schedule. You don't have to follow Dave Ramsey to follow how that works out. I feel great relief at the end of the Christmas season knowing that I did not blow our budget out of the water. There are always things that come up and we end up using our debit (NOT CREDIT) card and that's ok because we had been using our cash up to that point. Another good point of paying cash for everything is, you don't have to worry about those unscrupulous folks out there trying to steal your account numbers. One couple in my Dave Ramsey class had their debit card number stolen while they were at the Beach. A waiter where they had eaten was using it to pay for his car repairs. The gentleman has friends in the police department and they were able to trace it back to their waiter. They tracked him down and found he had a notebook with many other credit card and debit card numbers from other people just like you and I. Another good reason to pay cash when eating out.
Now back to Christmas, we have been saving this year for our Christmas giving and I hope we don't have to dip into the old checking account. If we do though, it won't be that big of a hit. Dave also has a special Christmas budget work sheet he has put on his webiste. You can down load it for free. www.daveramsey.com and no I am not getting kick backs for recommending him, I just believe in what he is doing and want to share with everyone how great it is when you don't have huge debt looming over you all the time. He has great articles on his website too. If you are interested in his books you can find them at your local Library or at used book stores. I am hoping this year will be a wonderful Christmas for all and a debt free one as well. Christmas is only a little over 5 weeks away.
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