by on ‎12-20-2010 09:19 AM

I think this is great from all the post that I've read. Not only Budgeting or managing your credit  for Christmas, but for the next six to nine months. We always have to try and be prepared for the unforeseen. My family and I decided to spend Christmas "Gift Free" for the first time and to see how much stress and debt we won't be committed to and still have a great time!!