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	<title>Comments on: Budgeting for Christmas</title>
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	<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html</link>
	<description>On the Road to Joyful Motherhood</description>
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		<title>By: How to Have a Restful, Memorable, and Meaningful Holiday Season — Life As Mom</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-41547</link>
		<dc:creator>How to Have a Restful, Memorable, and Meaningful Holiday Season — Life As Mom</dc:creator>
		<pubDate>Sun, 14 Nov 2010 08:01:35 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-41547</guid>
		<description>[...] memorable, and meaningful, then we need to have some plans. Does money cause you stress? Then set a holiday budget and stick to it. Are you looking for ways to capture sweet memories with your kids? Then consider ways to play more [...]</description>
		<content:encoded><![CDATA[<p>[...] memorable, and meaningful, then we need to have some plans. Does money cause you stress? Then set a holiday budget and stick to it. Are you looking for ways to capture sweet memories with your kids? Then consider ways to play more [...]</p>
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		<title>By: Jessica Lynette</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-28995</link>
		<dc:creator>Jessica Lynette</dc:creator>
		<pubDate>Thu, 29 Jul 2010 20:09:12 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-28995</guid>
		<description>:) This makes me smile.
I just started making Christmas gifts this week and have been shopping all year! Planning ahead really does make a huge difference :)</description>
		<content:encoded><![CDATA[<p> <img src='http://lifeasmom.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  This makes me smile.<br />
I just started making Christmas gifts this week and have been shopping all year! Planning ahead really does make a huge difference <img src='http://lifeasmom.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Nancy@TheAffordableMouse</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-28933</link>
		<dc:creator>Nancy@TheAffordableMouse</dc:creator>
		<pubDate>Thu, 29 Jul 2010 14:43:29 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-28933</guid>
		<description>It can be hard to start planning for Christmas so far in advance, but you bring up some great points. I love the idea of Christmas Clubs: I remember having one as a kid and was so proud to deposit a few dollars each week and the thrill of watching it grow over the year. Yes it&#039;s harder in &quot;the grownup world&quot; but the fundamental concept is the same: we can do it, if we budget and plan.</description>
		<content:encoded><![CDATA[<p>It can be hard to start planning for Christmas so far in advance, but you bring up some great points. I love the idea of Christmas Clubs: I remember having one as a kid and was so proud to deposit a few dollars each week and the thrill of watching it grow over the year. Yes it&#8217;s harder in &#8220;the grownup world&#8221; but the fundamental concept is the same: we can do it, if we budget and plan.</p>
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		<title>By: Tara</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-28767</link>
		<dc:creator>Tara</dc:creator>
		<pubDate>Wed, 28 Jul 2010 14:45:58 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-28767</guid>
		<description>This is so important!  We have a separate savings account that where we budget for &quot;yearly expenses.&quot;  Those items that crop up every 3, 4, 6, or 12 months can be a budget buster if we are not prepared.  And Christmas is one of our line items in that account.  We have about 30 things we save for and each month when it&#039;s time to pay for insurance, pest control, summer camp, or for fun Christmas outings or gifts I know we have it covered!  This has truly made a huge difference in our holiday times each year!</description>
		<content:encoded><![CDATA[<p>This is so important!  We have a separate savings account that where we budget for &#8220;yearly expenses.&#8221;  Those items that crop up every 3, 4, 6, or 12 months can be a budget buster if we are not prepared.  And Christmas is one of our line items in that account.  We have about 30 things we save for and each month when it&#8217;s time to pay for insurance, pest control, summer camp, or for fun Christmas outings or gifts I know we have it covered!  This has truly made a huge difference in our holiday times each year!</p>
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		<title>By: cherie</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-28682</link>
		<dc:creator>cherie</dc:creator>
		<pubDate>Wed, 28 Jul 2010 01:56:22 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-28682</guid>
		<description>Well I have an immensely long &#039;giftee&#039; list that I can&#039;t avoid [a lot of it is business related] and I start as soon as the after holiday sales begin!

I find it helps me to have a list and a budget for each person [or group of persons - so I have an under $5 list, a $10 list etc - these are the majority of the business folk - as well as the rare few much higher value gifts for some staff members etc] and to keep a list on my computer so that when I find, say, a really cute small item for my MIL at a garage sale or on clearance, I write it down and don&#039;t forget about it, forget to GIVE it, forget I&#039;ve got it etc.  
Also those &#039;token&#039; business gift things are often easiest to get early in the year - which helps to get them out of the way.

My list helps me stretch my dollar for a bigger splash too. For example I went to the dollar store today to get a few things and found some really nice mirrors of just the sort I&#039;d been thinking that my dds would really like for their rooms.  Now I don&#039;t know about you - but I am not as organized as, ahem, I would like to be.

However for a buck each I grabbed those mirrors [simple silver for the tween, which I will write something inspirational around the rim of; pretty rainbow framed for the second grader ;p] and I wrote it all down on my gift list for the holidays.  

Lo and behold who knew I also bought them each their own hairdryer [in fabulous prints] from target when they were the deal of the day?  I&#039;d forgotten.  

So now I foresee an entire &#039;in room spa&#039; package with some dollar store hair doodads/brushes and maybe a new lotion or nail polish . . . 

I could never pull any of this stuff off without a list.

And with a dedicated &#039;gifts&#039; line in my budget it all gets folded in throughout the year - and at holiday time I have very little left to do!</description>
		<content:encoded><![CDATA[<p>Well I have an immensely long &#8216;giftee&#8217; list that I can&#8217;t avoid [a lot of it is business related] and I start as soon as the after holiday sales begin!</p>
<p>I find it helps me to have a list and a budget for each person [or group of persons - so I have an under $5 list, a $10 list etc - these are the majority of the business folk - as well as the rare few much higher value gifts for some staff members etc] and to keep a list on my computer so that when I find, say, a really cute small item for my MIL at a garage sale or on clearance, I write it down and don&#8217;t forget about it, forget to GIVE it, forget I&#8217;ve got it etc.<br />
Also those &#8216;token&#8217; business gift things are often easiest to get early in the year &#8211; which helps to get them out of the way.</p>
<p>My list helps me stretch my dollar for a bigger splash too. For example I went to the dollar store today to get a few things and found some really nice mirrors of just the sort I&#8217;d been thinking that my dds would really like for their rooms.  Now I don&#8217;t know about you &#8211; but I am not as organized as, ahem, I would like to be.</p>
<p>However for a buck each I grabbed those mirrors [simple silver for the tween, which I will write something inspirational around the rim of; pretty rainbow framed for the second grader ;p] and I wrote it all down on my gift list for the holidays.  </p>
<p>Lo and behold who knew I also bought them each their own hairdryer [in fabulous prints] from target when they were the deal of the day?  I&#8217;d forgotten.  </p>
<p>So now I foresee an entire &#8216;in room spa&#8217; package with some dollar store hair doodads/brushes and maybe a new lotion or nail polish . . . </p>
<p>I could never pull any of this stuff off without a list.</p>
<p>And with a dedicated &#8216;gifts&#8217; line in my budget it all gets folded in throughout the year &#8211; and at holiday time I have very little left to do!</p>
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		<title>By: Christmas in July? Really? &#124; Owlhaven</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-28358</link>
		<dc:creator>Christmas in July? Really? &#124; Owlhaven</dc:creator>
		<pubDate>Tue, 27 Jul 2010 07:13:42 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-28358</guid>
		<description>[...] week from Jessica at Life As Mom.  She is doing Christmas in July this week, talking smart about budgeting, avoiding debt and other important ways to plan wisely for a meaningful, debt free Christmas.  Go [...]</description>
		<content:encoded><![CDATA[<p>[...] week from Jessica at Life As Mom.  She is doing Christmas in July this week, talking smart about budgeting, avoiding debt and other important ways to plan wisely for a meaningful, debt free Christmas.  Go [...]</p>
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	<item>
		<title>By: Susie's Homemade</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-28244</link>
		<dc:creator>Susie's Homemade</dc:creator>
		<pubDate>Mon, 26 Jul 2010 23:19:35 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-28244</guid>
		<description>We have a Christmas budget that includes everything that you have here. It isn&#039;t enough to budget just for presents because what will get you is the extras (meals, wrapping paper, postage, etc.).</description>
		<content:encoded><![CDATA[<p>We have a Christmas budget that includes everything that you have here. It isn&#8217;t enough to budget just for presents because what will get you is the extras (meals, wrapping paper, postage, etc.).</p>
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	<item>
		<title>By: Melissa</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-28110</link>
		<dc:creator>Melissa</dc:creator>
		<pubDate>Mon, 26 Jul 2010 20:24:44 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-28110</guid>
		<description>My husband and I both realised we were tired of life in corporate America when we had our daughter so we made the decision about 5 years ago to get completely out of debt and fund our retirement by age 50.  We have 6 more years to go so we are living very frugally.  Our daughter was 1 when we made the decision so she doesn&#039;t really know anything different.   She gets SO much from grandparents, aunts &amp; uncles that we do not get her anything and Santa only fills her stocking.  She is six now and for the last 2 years she has made all the gifts she has given to her cousins and grandparents for Christmas, birthdays, everything...  they all love getting something from the heart and she LOVES to make them.  At the beginning of each summer we talk about what she wants to give everyone and we start watching for sales for the materials.  We generally have everything made by the time school starts which means we can enjoy the holiday season doing the things we really love.</description>
		<content:encoded><![CDATA[<p>My husband and I both realised we were tired of life in corporate America when we had our daughter so we made the decision about 5 years ago to get completely out of debt and fund our retirement by age 50.  We have 6 more years to go so we are living very frugally.  Our daughter was 1 when we made the decision so she doesn&#8217;t really know anything different.   She gets SO much from grandparents, aunts &amp; uncles that we do not get her anything and Santa only fills her stocking.  She is six now and for the last 2 years she has made all the gifts she has given to her cousins and grandparents for Christmas, birthdays, everything&#8230;  they all love getting something from the heart and she LOVES to make them.  At the beginning of each summer we talk about what she wants to give everyone and we start watching for sales for the materials.  We generally have everything made by the time school starts which means we can enjoy the holiday season doing the things we really love.</p>
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	<item>
		<title>By: Christmas in July 2010 — Life As Mom</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-28069</link>
		<dc:creator>Christmas in July 2010 — Life As Mom</dc:creator>
		<pubDate>Mon, 26 Jul 2010 19:33:20 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-28069</guid>
		<description>[...] Building a Holiday Budget (with free downloadable planning sheet) [...]</description>
		<content:encoded><![CDATA[<p>[...] Building a Holiday Budget (with free downloadable planning sheet) [...]</p>
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		<title>By: Amy</title>
		<link>http://lifeasmom.com/2010/07/budgeting-for-christmas.html#comment-28029</link>
		<dc:creator>Amy</dc:creator>
		<pubDate>Mon, 26 Jul 2010 19:08:18 +0000</pubDate>
		<guid isPermaLink="false">http://lifeasmom.com/?p=7663#comment-28029</guid>
		<description>I think this is a great idea. In fact this year, I discovered Swagbucks, and am earning around 30 or so &quot;swagbucks&quot; a day and I am going to use those for our Christmas budget. I will buy what gifts I can online, convert the rest to paypal or cash or however that works, and use it for homemade gift supplies, and holiday treats (cookies, etc), cards, and any food we contribute to the Christmas dinners. No spending OOP! Yay!</description>
		<content:encoded><![CDATA[<p>I think this is a great idea. In fact this year, I discovered Swagbucks, and am earning around 30 or so &#8220;swagbucks&#8221; a day and I am going to use those for our Christmas budget. I will buy what gifts I can online, convert the rest to paypal or cash or however that works, and use it for homemade gift supplies, and holiday treats (cookies, etc), cards, and any food we contribute to the Christmas dinners. No spending OOP! Yay!</p>
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