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Christmas shopping & other stuff

November 16th, 2010 at 05:47 pm

I was not able to get what I wanted at CVS yesterday. Twice I have gone and both times they were out of the item. Apparently they will have another shipment on Wednesday so I'll stop by on my way to work.

I went Christmas shopping last night. I had a Gap Groupon I needed to use by 11/19. I was able to get my son 3 long sleeve tops and I am now done shopping for him except for a new cell phone. The display on his broke so he has been using one of our old phones. I know that I can get him a new phone for $20 or so. I scored a lot of good deals with his gifts so I am under budget for him.

I also got some things for my daughter. She's almost 11 and girls clothes are so much more expensive than boys clothes. I had a 40% off coupon but even with that I still ended up spending $90. Her birthday is in January so I also need to be on the lookout for gifts for that as well.

I know that I will be able to get some really good deals on Black Friday on some of the other things she wants so I think I should be able to stay on budget.

I never know what to get my mom and came across a really good deal I read about on a frugal blog. It's a free 8x10 picture on canvas from the Canvas People. All I need to do is pay about $15 in shipping. That comes in under the budget I had set for my mom and she would love a picture of my kids. Going to look through my digital pics tonight and see if there is a good one to upload.

Someone asked on my last post about how my cash budgeting was going. Honestly, I haven't withdrawn the cash yet. I was at the ATM yesterday to deposit checks and I didn't withdraw the money. Since I've already spent just a little from each budget category (household and personal care) I need to look at my budget spreadsheet to see what the balances are and then withdraw that amount.

Lastly, I took my car in this morning to get new brakes, replacement of the air filter and for them to see why the check engine light has been going off. I hope it's nothing major (the car only has 36,000 miles on it). I've got about $500 cash for car repairs and I'm hoping I only need to use no more than $400. Fingers crossed.

So far so good

November 15th, 2010 at 09:36 pm

This week has started out well so far.

Sunday we had only our planned spending and it turned out to not be as much as I expected.

Today I went to Target to return something, had the refund credited back to my debit card and walked out of the store without buying anything.

I do have a few groceries to pick up for dinner this week, I have a $5 off coupon that I want to use at CVS for something that is on sale and I think I will do some Christmas shopping this week, but other than that I don't anticipate much, if any, spending out of our discretionary budget.

I did email two of my girlfriends whom I normally exchange Christmas gifts with and asked if we could simply do a cookie/goodie exchange. They both agreed so now my list of people that I need to buy for has become smaller.

I'm also not exchanging gifts with one of my sisters and her daughter. She is hurting financially and is on the brink of having to move in with our mom to avoid losing her townhouse so it was easier to just say no gifts this year. It's just as well anyway because I always feel I need to buy something out of obligation, even though she never needs anything, and then the gift gets returned because she either doesn't like it or it doesn't fit.

I'm getting tired of buying Christmas gifts beause I feel like that's what I'm supposed to do. Since we are now on a tighter budget it's become easier for me to speak up. We've also agreed to not buy gifts for my sister and brother in laws as well.

I'm trying to keep our Christmas budget at $400 this year. Normally it is MUCH more than that but I'm trying to use the cash I have saved so far which would normally be more but since I failed to save for a while I trying to work with what I have.

I think I can knock out a lot of gifts on Black Friday and save quite a bit of money.