Let me urge you – Please don’t wait until January 1st to get your financial house in order. You do not need to rack up a mountain of credit card debt just to buy gifts! Instead, make your resolution today!
You still have time to create a budget for next month. List your income, list your expenses, and see where you are. Take your time and be realistic. I’ve written several articles about budgeting, including –
If you have credit card debt, don’t add to it during December!
I know that you want to give nice gifts to your friends and family members, but if you can’t afford them, you just can’t afford them. Do not go into debt in order to keep up. Imagine how much better January will be if you don’t have to pay for December (or November, September, August…)
Today is your day. You are in charge of you – and your destiny. Don’t wait one more second to take care of yourself, and your family. Unless you take the time to focus on YOUR situation, you’ll never be able to truly focus on helping others!