No debt for Christmas!!!!

I started YNAB last February and have reduced my credit card debt by half.  At the same time, I began saving for Christmas.  This year, for the first time, I was able to give the gifts I wanted to give and pay for them IN ALLOCATED MONEY! without incurring any debt.  This is huge for me.  It feels "clean" and guilt-free to be able to buy what I want, as my remaining credit card debt might as well be called "The Ghosts of Christmas Past."  It also made me more thoughtful about my gift-giving.



3replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • Congrats and welcome to the club! 😄🎄

    Like 1
  • Laurie R that's amazing!!!  Way to go! 🎉 This was my husband's and my first year of actually budgeting for this Christmas starting in January and it was such an exciting feeling - I totally get it!

    Like 1
  • Congratulations and enjoy. 
    I plan for this to be me next year! Please be sure to tell me how amazing it all was when you’re done :-)

    (my ‘thing’ is food.... partly due to the wastage of material possessions and partly due to... I can never afford actual gifts 😢)

    Like 1
Like11 Follow
  • 11 Likes|like
  • 7 mths agoLast active
  • 3Replies
  • 106Views
  • 3 Following