Comments on: Have You Ever Had A DEBT FREE Christmas, And Will You Accept My Challenge? http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/ Pay Off Debt...And Get Inspiration Daily! Sun, 14 Mar 2010 15:20:31 -0400 http://wordpress.org/?v=2.9.2 hourly 1 By: Jenn http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-4768 Jenn Thu, 25 Feb 2010 19:07:55 +0000 http://www.enemyofdebt.com/?p=830#comment-4768 For many years now I've kept an Excel file with a page for each year. One column each for Name, gift ideas, what I actually bought, and the cost. After Christmas I copy the names and unused ideas onto a new page as a starting point for the next year. Most times a gift idea not used one year is still relevant the next year (except with kids). This way I'm ready to start picking up things up as I find them during the year on sale. I try to be finished my shopping by October each year simply because I hate shopping but hate shopping with crowds even more. Now Christmas shopping is a non-event. Everything is bought early, wrapped at leisure, and paid for painlessly a little at a time over the entire year. The only holiday shopping left to do in December is food and entertaining related. Don't forget to include extra funds for groceries and travel in your budget! For many years now I've kept an Excel file with a page for each year. One column each for Name, gift ideas, what I actually bought, and the cost. After Christmas I copy the names and unused ideas onto a new page as a starting point for the next year. Most times a gift idea not used one year is still relevant the next year (except with kids). This way I'm ready to start picking up things up as I find them during the year on sale. I try to be finished my shopping by October each year simply because I hate shopping but hate shopping with crowds even more.
Now Christmas shopping is a non-event. Everything is bought early, wrapped at leisure, and paid for painlessly a little at a time over the entire year. The only holiday shopping left to do in December is food and entertaining related. Don't forget to include extra funds for groceries and travel in your budget!

]]> By: Debt Free Christmas 2010 | DeliverAwayDebt.com http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-4122 Debt Free Christmas 2010 | DeliverAwayDebt.com Tue, 19 Jan 2010 16:14:51 +0000 http://www.enemyofdebt.com/?p=830#comment-4122 [...] it’s GREAT!!! Brad at Enemy of Debt wrote a wonderful article about the subject of having a Debt Free Christmas, he’s been an insperation to many people and I recommend you take a few minutes to read [...] [...] it’s GREAT!!! Brad at Enemy of Debt wrote a wonderful article about the subject of having a Debt Free Christmas, he’s been an insperation to many people and I recommend you take a few minutes to read [...]

]]> By: David http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-3758 David Mon, 28 Dec 2009 15:43:47 +0000 http://www.enemyofdebt.com/?p=830#comment-3758 Brad, I DID IT! I had a debt free Christmas… my first in my adult life. On top of that, I also applied almost $800 to my existing credit card debt in December. I know that your challenge to have a debt free Christmas helped me to avoid any backward steps this month and kept me on track for my goal of having my VISA paid off by June 2010. Thanks for the inspiration. David in Portland, Oregon Brad,
I DID IT! I had a debt free Christmas… my first in my adult life. On top of that, I also applied almost $800 to my existing credit card debt in December. I know that your challenge to have a debt free Christmas helped me to avoid any backward steps this month and kept me on track for my goal of having my VISA paid off by June 2010. Thanks for the inspiration.
David in Portland, Oregon

]]> By: Rick http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-3591 Rick Sat, 19 Dec 2009 23:50:14 +0000 http://www.enemyofdebt.com/?p=830#comment-3591 Our two financial goals for 2010: 1- Reduce our family debt by $12000 2- Not incur any MORE debt! Our two financial goals for 2010:

1- Reduce our family debt by $12000
2- Not incur any MORE debt!

]]> By: Jane http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-3507 Jane Thu, 17 Dec 2009 14:15:15 +0000 http://www.enemyofdebt.com/?p=830#comment-3507 One of our goals is to try and pay off a new furnace we had to have installed this year (carbon monoxide leak...yikes). The other goal is to continue to build our savings account. One of our goals is to try and pay off a new furnace we had to have installed this year (carbon monoxide leak…yikes). The other goal is to continue to build our savings account.

]]> By: Bo Palinic http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-3457 Bo Palinic Wed, 16 Dec 2009 18:06:25 +0000 http://www.enemyofdebt.com/?p=830#comment-3457 Thanks a lot, Brad, for your inspirational site. It's inspired me, and I'm sure it's been inspirational to many others. My two main financial goals for 2010: (1) Pay off and close my last credit card ($5,800); and save at least $18,000 in my emergency fund. Best wishes for the New Year to you and your family. Best, Bo. Thanks a lot, Brad, for your inspirational site. It’s inspired me, and I’m sure it’s been inspirational to many others. My two main financial goals for 2010: (1) Pay off and close my last credit card ($5,800); and save at least $18,000 in my emergency fund. Best wishes for the New Year to you and your family. Best, Bo.

]]> By: Pam Murphy http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-3454 Pam Murphy Wed, 16 Dec 2009 17:24:58 +0000 http://www.enemyofdebt.com/?p=830#comment-3454 One thing good: I never go into debt for Christmas! I buy presents thru-out the year as I see something someone will enjoy and I can afford. My two 2010 financial goals are to pay off my credit card, never to run a balance again and to put a definite percentage of each paycheck into savings. I have already set up for a certain percentage of my paycheck to go immediately into savings account. One thing good: I never go into debt for Christmas! I buy presents thru-out the year as I see something someone will enjoy and I can afford.

My two 2010 financial goals are to pay off my credit card, never to run a balance again and to put a definite percentage of each paycheck into savings. I have already set up for a certain percentage of my paycheck to go immediately into savings account.

]]> By: Maria http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-3452 Maria Wed, 16 Dec 2009 16:44:54 +0000 http://www.enemyofdebt.com/?p=830#comment-3452 My 2 Debt Resolutions for 2010: 1. Save and keep (for more than a month or two) a $1000 emergency fund. 2. Save up $10,000 to put towards our 401(k) loan to pay it off by Jan 2011. My 2 Debt Resolutions for 2010:

1. Save and keep (for more than a month or two) a $1000 emergency fund.

2. Save up $10,000 to put towards our 401(k) loan to pay it off by Jan 2011.

]]> By: Golda Edwards http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-3427 Golda Edwards Wed, 16 Dec 2009 02:33:02 +0000 http://www.enemyofdebt.com/?p=830#comment-3427 I'm all in, Brad!!! Goal #1 is to build the emergency fund to 15k and Goal #2 is to continue to pay down extra on the mortgage continuing to cash flow whatever we need. So far Christmas is all cash and carry...it is fun!!! Merry Christmas!!! I’m all in, Brad!!! Goal #1 is to build the emergency fund to 15k and Goal #2 is to continue to pay down extra on the mortgage continuing to cash flow whatever we need. So far Christmas is all cash and carry…it is fun!!!

Merry Christmas!!!

]]> By: jenny thorpe http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-3398 jenny thorpe Tue, 15 Dec 2009 20:53:31 +0000 http://www.enemyofdebt.com/?p=830#comment-3398 #1 set up college savings plans for children #2 roll over old 403Bs into IRA #3 max out ROTH #1 set up college savings plans for children
#2 roll over old 403Bs into IRA
#3 max out ROTH

]]> By: Julie http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-3343 Julie Tue, 15 Dec 2009 15:48:32 +0000 http://www.enemyofdebt.com/?p=830#comment-3343 For the first time EVER - I suggested we "drew names" , and only bought for kids. To my relief EVERYONE was on board with this, and glad I had suggested it. I want a debt free Christmas, and a debt free future. I am working hard to pay off the debt I have. My 2 goals for 2010 are......to pay off 2 medical bills that have been hanging around for a few years. I am an enemy of debt fan! Thanks for the giveaway! Awesome idea! Merry Christmas! For the first time EVER – I suggested we “drew names” , and only bought for kids. To my relief EVERYONE was on board with this, and glad I had suggested it. I want a debt free Christmas, and a debt free future. I am working hard to pay off the debt I have. My 2 goals for 2010 are……to pay off 2 medical bills that have been hanging around for a few years. I am an enemy of debt fan! Thanks for the giveaway! Awesome idea! Merry Christmas!

]]> By: Tina Fortune http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-2947 Tina Fortune Sat, 28 Nov 2009 00:03:50 +0000 http://www.enemyofdebt.com/?p=830#comment-2947 Yes, we're having a Debt Free Christmas! Yes, we’re having a Debt Free Christmas!

]]> By: Tina Fortune http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-2860 Tina Fortune Tue, 17 Nov 2009 03:15:48 +0000 http://www.enemyofdebt.com/?p=830#comment-2860 No debt for us! I bought 3 laptops (yes debt free) this year and I'm using the rebates and I just received $100 for opening up an account with Chase so it's extra! Yea Baby! I'm going to blog how this single mom of 3 is going to do it debt free and let you know. No debt for us! I bought 3 laptops (yes debt free) this year and I’m using the rebates and I just received $100 for opening up an account with Chase so it’s extra! Yea Baby! I’m going to blog how this single mom of 3 is going to do it debt free and let you know.

]]> By: Alice http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-2840 Alice Fri, 13 Nov 2009 16:26:37 +0000 http://www.enemyofdebt.com/?p=830#comment-2840 I accept the challenge. Since I know I will lose my job at the end of January I will not be buying Christmas gifts this year. I will put $50 into a gift fund all year for birthdays and Christmas next year. I only buy for a couple of people and for a charity each year so my budget consists of 2 b-day gifts, 2 xmas gifts, cards and a gift for an impoverished child each year. Unless I start dating sometime soon, this will remain my budget. Last year and every year prior, gifts were charged on the card. No more! Lets all have a debt free Christmas and a profitable new year! Alice I accept the challenge. Since I know I will lose my job at the end of January I will not be buying Christmas gifts this year. I will put $50 into a gift fund all year for birthdays and Christmas next year. I only buy for a couple of people and for a charity each year so my budget consists of 2 b-day gifts, 2 xmas gifts, cards and a gift for an impoverished child each year. Unless I start dating sometime soon, this will remain my budget. Last year and every year prior, gifts were charged on the card. No more! Lets all have a debt free Christmas and a profitable new year!

Alice

]]> By: A Debt Free Christmas Is A Stress Free Christmas | SELF RELIANCE EXCHANGE http://www.enemyofdebt.com/2009/08/have-you-ever-had-a-debt-free-christmas-and-will-you-accept-my-challenge/#comment-2611 A Debt Free Christmas Is A Stress Free Christmas | SELF RELIANCE EXCHANGE Tue, 13 Oct 2009 02:30:41 +0000 http://www.enemyofdebt.com/?p=830#comment-2611 [...] post was derived from an original post at Enemy of [...] [...] post was derived from an original post at Enemy of [...]

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