Hi!

In a week at a half Christmas will be done and over with. After the wrapping has been thrown away, the meal finished, the celebrations over with, and the children stop playing with their new toys, will you wake up the next morning still having to pay for it all?

I trust not. It is your goal to spend less than you make ... with Christmas presents no difference. If you blew it financially this year, start fresh for next. Begin to save a little each month and commit to only spend what is in that envelope.

Go to my website and use the search box at the top to learn about envelope budgeting and how it can save you a ton of money.

Have a great Christmas and New Years. Keep it all in perspective, though. What present are you giving the one whose birth is being celebrated?

Enjoy this issue of the Financial Freedom Newsletter!

Until next time .....







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Money Saving Quick Tip

Read One Article Per Day

Using this technique for the numerious ones available on my website you will begin to "live like no one else so later you can live like no one else."

As long as you take action.

Did this recession throw you off balance? Will you be ready for the next one?

Digging Deeper

OK, cheap gifts for Christmas are on your mind. This page is being filled with practical money saving tips to help alleviate any burden to your household budget when deciding on your Christmas gift giving.

So go ahead, start perusing and get some ideas to save you money this Christmas ... or a birthday ... or an anniversary .... or any other gift giving reasons you might have. There is also a box down there at the bottom for you to submit your own idea to save money that you just know will help someone else.

Continue reading ...

A Little Perspective

You can only become truly accomplished at something you love. Don't make money your goal. Instead, pursue the things you love doing, and then do them so well that people can't take their eyes off you.
Maya Angelou

For every beast of the forest is mine, and the cattle upon a thousand hills. Proverbs 50:10

Ebooks and Podcasts as well as back issues of this newsletter. Let me know if you have forgotten the password that was sent in your welcome email.

Go there now ...

Personal Financial Coaching

It is my passion to help families prioritize now to make sure that one parent can stay at home. If diligent, you can be debt-free in 36 months or less without buying insurance, investments or magic software. This is advice you can trust because I do not sell any of these things.