Where do I start? These first posts are always difficult to write; trying to figure out what topic to start with and what to say. So what do I write about? How do I decide? I suppose since Christmas is two weeks away and the shopping season is upon us, I should begin here.
Being single, separated or divorced this time of year is difficult enough without adding the added stress of finances and gift buying. So what have I learned? This is my second Christmas being separated and I have figured out a few things. Some of you may have already learned these truths and if so you are a step in the right direction.
I want, I want, I want.
Have young kids? If so you have probably heard these words. So what do you do when Christmas day is bearing down on us and we have children to buy for and less money to buy gifts with?
This should probably be obvious but it bears repeating.
Set a budget and stick to it.
No, really. Decide how much you can manage to spend and do not go over it. And do not budget based on credit. I set my limit this year and even though I could have likely spent more I stuck with it. This was a first for me.
I stood at the checkout placing toys on the conveyor belt, listening to the beep of the cash register, watching the total creep closer and closer to my limit. Sigh. A few items were still in my cart when my limit was reached, only a few more items and I thought that it wouldn’t be a big deal to go over just $30. I held fast. Can you put these items back for me please? I asked the cashier. She was nice enough about it but was probably a bit annoyed. I did it, I went into the store with a set budget and I stuck with it. The kids will just have to deal with a few less gifts under the tree this year.
Another lesson learned was that I do not have to compete with their mother or grandparents.
You don’t have to compete with gifts.
The more you spend on someone does not equate to how much you love them.
This was a tough lesson to learn for myself. I felt if I didn’t spend well above my means on gifts then my love was lacking. Find special gifts you can use as a family or make gifts or you could even come up with creative free gifts.
Which of the following do you think would be better?
Spending within your budget, spending quality time with your family and not being stressed?
Or
Racking up credit card debt, working overtime away from your family to pay off those debts and being stressed?
Christmas is a time for remembering Christ’s birth; God leaving heaven to come to earth for us. It is not about outspending your ex-spouse to try to prove your love to the kids.
This Christmas I would encourage you to put away those credit cards. Spend extra time with your children and enjoy the season for what it is. There may not be many gifts under the tree this year but that doesn’t reflect on the love you show your kids.
I will wrap this post up so that I don’t go too long but look for a continuation of this topic on my next post.
For now think about what you can do for your kids this Christmas that doesn’t require much money. Think about refusing to use credit cards and think about what Christmas is meant to be.