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December 05, 2006
Remember January Credit Card Bills Will Come
My wife just got home from a holiday shopping spree. When I asked her how much she spent, I got a big smile and a lot of excuses. You know the ones:
Well, I had to buy for Sally and Jane. Then I felt bad that I didn't get Laura anything, but then Laura's gift didn't cost as much as the other gifts so I bought more.
Yikes! Put on the brakes! I thought this was the year that we were going to control our spending and somewhere along the line I think my wife forgot about our agreement that we would enjoy the holidays by spending time with the people we care about.
Hmm...so much for that...
So it seems my January credit card bills are going to higher than expected!
Now, I hope to save you from the same expenses.
It seems there was a break-down in communication in my house.
Tip: When you set holiday spending guidelines with your spouse, don't just agree on a budget and part ways.
Spend the time to write down your agreement and then before every trip to the mall, pull out the written "holiday spending agreement" and review it once again. Repeat for every trip, even if it's to the grocery store. This will help keep the emotional spending to a minimum and hopefully save you from some post-holiday credit card grief.
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