Counting My Pennies

  • About
  • Contact
  • Extra Money
  • Popular Posts
  • Toolkit
  • Privacy Policy

Two months out and I’m almost done with Christmas shopping!

October 20, 2009 By Megan Smith

My mother has trained me well.  Christmas is more than two months away and I have just about finished my Christmas shopping.  I do still need to buy something for my brother, but he’s easy – I ask him what he wants, he links me to his Amazon Wishlist, and we’re set.  He’s hard to buy for, and I’d rather buy him something he wants.  But for everyone else, throughout the year, as I was out and about, I kept my eyes peeled for things that would make good gifts.

I have a note clipped into my planner that has a running list of Christmas ideas for my family.  This is the first year I’ve done something along those lines and I’m so glad I did.  One thing I wanted for my dad won’t be available by Christmas, but this way I’ve already got an idea for his birthday.  I’ve also got my mom covered through her birthday and possibly through Mother’s Day.  These aren’t purchase that have been made, of course, merely ideas, but that’s the hardest part of the battle.

On one hand, I mock all the holiday decorations that are out in the stores, and I think it’s amusing that my choir started rehearsing for our Christmas concert last night, and yet here I sit, ready for the holidays.

Of course, I will still leave all the wrapping to the very last minute.  That’s just how I roll.

Megan Smith
Megan Smith

Megan is a 40-something government employee in the Washington, DC area. She got interested in Personal Finance when she got out of college and realized that her paycheck wasn’t going to go as far as she had hoped. Since starting this blog, she has managed to buy a house and make a solid start on her retirement goals, and hopes to help others do the same. Here is her story:

In 2007, I was a gainfully employed 20-something with no debt but not a lot of knowledge about personal finance.  It was a co-worker’s comment about Roth IRAs that sent me to the internet, searching for information.  It was then that I realized that I really didn’t know a whole lot about personal finance and that my current financial situation was due a lot to inherent frugal tendencies, generous family members, a fear of debt, and good luck.  While that was working for me, clearly I needed a better plan.

While I had no debt, I was also pretty much living paycheck to paycheck and not worrying about going over budget (I say this as if I had a real budget) because I had an emergency fund set aside to cover any overages.

Except that’s not what an emergency fund is for.

So I did a lot of research, read a lot of blogs, and decided that I needed a plan.  I needed to budget.  I needed to know what I was spending my money on.  I needed to prepare for the future.

I decided to create a blog not only to make myself accountable to others but also to share the knowledge that I gained along the way.  I’ve learned so much from my fellow bloggers, and I hope that my readers can find something useful in what I have to share as well.

Filed Under: holiday

Comments

  1. Investing Newbie says

    October 20, 2009 at 9:32 am

    Lucky you. My problem is that October/November are heavy bday months for me. So I need time to replenish the funds for my last minute Christmas shopping. I try to get all of it done by Black Friday anyway, but you’re way ahead of the game.

  2. me in millions says

    October 20, 2009 at 10:07 am

    I’m a little jealous! It must feel pretty good not to have to worry about that stuff now. Keeping a running list of gift ideas is a great idea! I should probably do that…

  3. Cassie says

    October 20, 2009 at 10:41 am

    Good for you! I’m almost finished my Christmas shopping as well. I only have a few more things to buy and then I am DONE! The holiday is much more enjoyable when you don’t have to stress out over gifts.

  4. SavingDiva says

    October 22, 2009 at 10:21 am

    Awesome! I’m so jealous! I haven’t even started…

  5. J. Money says

    October 22, 2009 at 11:07 am

    Impressive! Haven’t even started thinking about it…

Trackbacks

  1. * 10 Steps to Planning Holiday Spending says:
    November 10, 2009 at 8:01 pm

    […] are less than two months until Christmas — do you have a plan for holiday spending yet? Some people have already finished their holiday shopping. Others have been diligently saving all year long. Still others might be dreading the upcoming […]

  2. 10 Steps to Planning Holiday Spending | Mortgage Info Today Blog says:
    November 10, 2009 at 9:28 pm

    […] There are less than two months until Christmas — do you have a plan for holiday spending yet? Some people have already finished their holiday shopping. Others have been diligently saving all year long. Still others might be dreading the upcoming […]

  3. 10 Steps to Planning Holiday Spending | Expert Reviews! says:
    November 19, 2009 at 3:47 pm

    […] are less than two months until Christmas — do you have a plan for holiday spending yet? Some people have already finished their holiday shopping. Others have been diligently saving all year long. Still others might be dreading the upcoming […]

Follow Us

  • Facebook
  • Pinterest
  • RSS
  • Twitter

Our Most Popular Articles

  • What are the advantages and disadvantages of saving money? What are the advantages and disadvantages of saving money? by Megan Smith
  • Another MLM Gone – AdvoCare Changes Business Model by Megan Smith
  • What is the billie razor customer service number What Is The Billie Razor Customer Service Number? by Joe Wallace
  • Billie razor review Billie Razor Review by Megan Smith
  • lularoe dani LuLaRoe Dani – Another Don’t Buy by Megan Smith
  • Celebrity Facts – Taylor Momsen Net Worth by Megan Smith

Copyright © 2023 · Runway Pro On Genesis Framework ·