Pen to paper

Most people actually find money when they put pen to paper and do a real budget. Money always makes a nice gift. Why don’t you give yourself some this Christmas?
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Ghosts of Christmas Past

The Financial Ghosts of Christmas Past, Present and Future.

If you're not learning from the Past how to plan in the Present for a bright Future, your Christmases to come won't be worth looking forward to.

If you don't learn from the mistakes you made in the past you leave your financial future to chance and that's irresponsible, impacting not just you but those depending on you.
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Start a Home Maintenance Fund

Another Christmas Gift to Self Idea: Start a Home Maintenance Fund. Set it up to always total 1% to 3% of your home's value and keep it separate to handle all things related to home maintenance and upkeep.

If your home is older, lean toward 3% as your total. It's yet another shield against life’s happenings.
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Stuff

We all have “stuff.” But do you own your “stuff” or are you just holding it for the store?
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Ask yourself

You might think a new car is a great Christmas gift. But, ask yourself:

Would you rather have a $40,000 car and $5,000 in the bank or a $5,000 car and $40,000 in the bank?

Another thing nice about $5,000 cars is they are PAID-FOR in full, which is how your Christmas should be this year and forever more.
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“PAID-FOR” Christmas

Do away with “yeah but” and “I want” gifts this year. Pledge that every gift you give will be purchased with money that is yours, and that you will have a “PAID-FOR” Christmas from this Christmas forward.
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Christmas Gift Idea

Christmas Gift Idea: Commit today to begin paying off your house.

Yes, you can live in a paid-for house. Our grandparents would shake their heads at us for not understanding this, and our great-grandparents would be shocked and disbelieving we don’t already know this.
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