saving for Christmas already

Hi Hemo, Well, sounds like you are doing pretty well so far. I would love to save ahead for Christmas but it just doesn't seem to happen. Seems there is always someone's birthday or if by chance, I manage to save a little bit then "something" happens like my car will have an issue or my daughter will need something. I have a change jug and sometimes that will build up to about 30.00 or so but then something will come up and I'll have to turn it in. I do cut corners wherever possible and am pretty frugal which allows us to get by as well as we do, thankfully. Well, I'll keep trying. Anyway...good luck..sounds as if you are off to a good start!

Well this year is going to be tight on money because i plan on getting into my own place and actually have a mortgage and be on my own without parents being around of course i have my boyfriend and we plan on saving money and paying off things this year but i think this year what money i make online will be saved into my paypal account and i can purchase and use that money online and to buy things or i can of course transfer it in my account in november and use that money for christmas shopping and i have actually been thinking about getting a envelope or a jar and start putting money into it like all the loose change i find and all the cash i have becasue i barely ever use cash and when i do have it i should save it into something. its a great idea to save as well. Have a GREAT DAY MYLOTTING.

I haven't started setting aside money for Christmas yet, but I've started accumulating gift cards and amazon gift cards from swagbucks. I'm saving gift cards I received for Christmas and I will use them to help me buy any gifts that I need to buy. I have started making some of my Christmas presents as well. Mostly knitted things, but i will do some sewing in the summer when it is too hot to knit.

The things I do to save cash are small but helpful. We have two different things to save up for. We have an emergency fund and we have the living room set fund. In order to put $ into these funds we pinch every penny we can. Cut costs as much as we can. We keep our bills as low as we can and try to get them lower. I use coupons for our shopping and try to only buy what is on sale. My hubby packs his lunch for work and that saves a big chunk of change. He enjoys sodas during the day as well and I always buy him the aluminum cans and then we take those and turn them in for the $. The extra $ goes into our funds. All of the daily change we get goes into the funds as well. I earn as much online as I can to help with the monthly bills. Some of my reward places do not pay cash so I try to cash out with amazon or giftcards that I know will come in handy. There is a great bedding ensemble on amazon that I really want for the master bedroom. (That is my special present for me this year for Christmas)As soon as we get the living room set replaced the fund will go toward something else. I would love a vacation this year as well but I am not sure we will be able to swing it. Good luck with yours.

This year the main thing that I'm doing differently to save for Christmas is that I'm trying to set aside $20 every week that will go toward the shopping that I will do in the stores on Black Friday and beyond. I've also been doing swagbucks for a couple of years now as well as superpoints and mypoints to earn Amazon gift cards. Those I use to buy the majority of the toys and electronics for the kids every year at Christmas. Of course I would like to be able to do more, but it takes time to work up to that.

Don't worry much about Christmas it is long way to go

Christmas has just passed, so i definitely have no plans to save yet for it. I spend my money accordingly. Needs are foremost to be given attention and the expenses for our daughter's stay in a far city where she studies Medicine.

Hi hemophilimom, What a smart comsumer you are...Thats a great plan you have for yourself and I truly hope it works for you.. Unfortunately I don't drink soda and as far as found money...HA HA HA.. But I do agree with you now is the time...But I have other things I can save for before worrying about Christmas...I 'll at least wait until July before I start Christmas shopping not just saving,,,I am going to start early, like I use to do when my children were small...That seemed to have worked for me... Good luck to you.....

Haha, well i am a student, and i want to go for holidays in korea this year end with my friends for a month to experience their culture and spend the Christmas there. Have been looking around for part time jobs and will try my best to work out my job schedule with my college schedule. Stress though, but i know i can do it! haha. Work hard first then enjoy later. haha. Good luck to you. =)