Welcome to my blog.  For years, family, friends, and clients have struggled with finances and organization only to have things fall apart during the Holidays… ESPECIALLY Christmas.  IF you have a budget, you probably don’t allow enough for gifting, or you allow the correct amount, then start feeling guilty and dig out the credit card.  What ends up happening is a few hours or days after wrapping paper goes flying through the room as people tear into the gifts you have charged… is that they go on to other pursuits, and you end up paying off the bills for months or even years.  Trust me… it’s not worth it.  This blog will give you 365 tips for planning and spending for all your gifting without using a credit card.  There will also be organization tips, and simple gifts anyone can make. 

You can begin following this simple plan any time of the year.  If you have missed some of the tips because of starting late, you can still get through the next Christmas without using credit.  Just go back into the archives and get as many tips as you can that you can apply when you start. 

I am going to do my best to post a new tip each day.  So, have fun, and come back every day to see what’s new.