Ouch!  This season of joy is seriously crimping my wallet!  It’s okay.  I expected it and because becoming free of debt is so important to me, I am working to stay focused on gratitude for what I have, not on what I want.  As one blogger recently posted, consumerism has a negative effect not just…

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Once again, I am dealing with the problem of shopping for others, without buying things for us adding to our debt.  Put another way, I seem to buy more for me when I am looking for gifts for others.  I know it is a horrible habit, but as an undiagnosed ADD victim, I constantly get…

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Yesterday a friend shared with me one of her family holiday traditions.  Each member of her family draws the name of the person they will make a gift for.  I LOVE this tradition. Yes, it requires creativity, patience and talent. Because each is only making a gift for one person, they can take time to…

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