A good old fashioned money challenge!
As I think about the upcoming holidays and our never ending list of birthdays, we have 13 family members/friends birthdays coming up in the next three months, it is clear that I need to get more extreme with our budget. A couple weeks ago, I jotted down some ideas about how much I am willing to spend on gifts for both birthdays, holidays, and our anniversary. It soon become clear that I should have started saving up back in January! My grand total came to around $1700. I am someone who thoroughly enjoys buying and giving gifts to friends and family. And please remember this number includes 13 birthdays, our wedding anniversary, and gifts for Christmas for our family and friends: a bargain, really! I know that some people, when on a money/budget journey, tend to do homemade gifts or they simple tell family and friends that they are cutting back. I am not going to be taking that route at this time. I don't feel like our personal finances are so extreme that I cannot continue to do ...