I don't like December. Well, I like the season, I like the weather, I like shopping, but only if it's not shopping with my own money, money that I worked hard to save throughout the year only to be forced to spend on gifts and food at the end of the year, and for what? LOL
I guess I only have myself to blame for being tempted to overspend and over indulging in my family and myself, no thanks to the credit card calling out to me to be abused! My friend will always remind me, why work so hard if we don't get to enjoy it? December is certainly a time to enjoy to the maximum. Let's not even talk about the year-end vacation that most of us take!
I just received promotional material in the mail yesterday and again, I am tempted to upgrade my mobile device but I know I shouldn't. I haven't worked hard enough this year to justify spending $1 - 2K on a gift for myself even if I could buy it under and installment plan for up to 12 months. But I certainly hate the thought of being in debt for the next year for just a smart phone!
I guess first things first. I will have to get the list of Christmas gifts fulfilled first and see how much money is left for me to splurge on myself. SIGH!
I guess I only have myself to blame for being tempted to overspend and over indulging in my family and myself, no thanks to the credit card calling out to me to be abused! My friend will always remind me, why work so hard if we don't get to enjoy it? December is certainly a time to enjoy to the maximum. Let's not even talk about the year-end vacation that most of us take!
I just received promotional material in the mail yesterday and again, I am tempted to upgrade my mobile device but I know I shouldn't. I haven't worked hard enough this year to justify spending $1 - 2K on a gift for myself even if I could buy it under and installment plan for up to 12 months. But I certainly hate the thought of being in debt for the next year for just a smart phone!
I guess first things first. I will have to get the list of Christmas gifts fulfilled first and see how much money is left for me to splurge on myself. SIGH!
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