I voted cash, although we too will be using credit cards and paying them off.
Me, too. We have the money in a Christmas account, but since I do most of my shopping online it will technically be credit. I consider it cash, though, because we will pay it off right away.
I informed my extended family early on each family group will get something small. As for the immediate family... my son, his new video game will release in late November and I have the money already set aside as we ordered it back in July. The rest of his Christmas will be our together time at Universal Studios with already paid for discounted 7 day-2 park hopper passes. My gift... Quality fun time with my teenager before he graduates next year.
I don't plan on buying anything. I am making everything that I can with the craft stuff I already have on hand. I probably will end up buying a few small things for the grandkids, plus candy but I will use CASH only for any items that I purchase.
13th Cheque. We both get one - dh whos is double mine pays off all debt and the rest goes into savings. Mine pays for presents and the christmass food.
I bought(over bought) yankee candles after Christmas 2 years ago at 75% off. I stick(kodak super sticky photo paper) on pictures of the kids and give them to the older family members.
I have no money at all to really spend this christmas!! so i just made a photo book for the whole family online and that is going to be everyones gifts. We went on vacations throughout all their lives my kids are 23 22 21 rite now so i am just going to make a book of all the fun times we had together and i am in the process of making it at SmileBooks Photo Books and i think that they will like this idea!!
I use credit for everything, all year round...I pay it off in full each month, and reap the benefits of the cards pt programs. So it works great for us.
I am the same way. MOst of the gifts I bought so far are paid off already! Getting there! : )
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