Speaking of Christmas decorating and getting into the holiday spirit, I am just putting my foot down that I will not incur ANY debt just because I want to buy gifts for Christmas or decorate the house. I do not want to start the new year in debt. I guess that is where most people [...]

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I plan to put a tree up by December 1. I actually am debating whether to have a tree up or not as it is always a hassle to take it down. Plus, we wont even be spending Christmas at home so why bother. However, in keeping up with Christmas spirit and for the kids [...]

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