Every year at this time, I enter into the "debt zone". I have made Christmas all about giving...giving what I don't have now, but will pay for for the next 12 months. My motto for 2007 was "back into black", meaning I would not go further into debt....I was doing GREAT, until November and December when all of the expenses of the holidays came pouring in. I now have $6,000.00 on a new credit card. I've been doing this for years, and have decided to start a blog for 2008 to finally get back to black instead of being in the red.....wish me luck!
Living With Forced Frugality – What Works For Me
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