The Busy Month of December

This was a very busy month. I haven't had anytime to write on this blog. I thought the overtime was over, but it wasn't. I had to work 50 hour weeks all this month. Plus with family Christmas dinners and Christmas shopping, I have stayed very busy.

As for Christmas. We had a budget and stuck to it. We had saved the money for Christmas over the coarse of the year. To cut back costs on gifts, my wife and I didn't get each other anything. Also we didn't exchange gifts with my sister and her husband, we just got presents for each others kids.

We also used online purchases to stay away for large crowds after thanksgiving. Most stores offered free shipping on orders over a $100, the weekend after thanksgiving. We also got a lot of gift cards this year. Some stores offered to send you the gift card, inside of a personalised Christmas card for free.

Our Christmas was paid for in cash, and that makes it a success. Last Christmas we weren't on the Dave Ramsey plan, we weren't saving, and we weren't living on a budget. We had a lot of stress last year. This holiday there may have been a little stress, but none of it was about money.

11 months on the Dave Ramsey's Total Money Makeover

November is over. It seems that all the overtime I was getting has come to an end. It was nice to get extra money, but its nice working a 40 hour week also. With all the extra hours at work, we still haven't got our addition insulated all the way yet. Now we are working less, we will have to get it finished up.

No big events or changes in the budget for November. So when the month was over we paid $2750 extra on our debt. And I just realized with have crossed the half was point. We have paid off over half our debt. I think I see a light at the end of the tunnel.