I have blogged earlier about cutting back this Holiday season. We are not participating in the annual gift giving exchange with the family. I think the money would be more wisely used for possibly a local charity that helps the less fortunate during this time of year or in our case put it towards our Church's Lottie Moon Christmas offering this year. However, regardless of the amount we spend we do have one important rule that we are faithful in keeping. We DO NOT put our Christmas on credit! It is a wonderful feeling knowing that when you wake up on the 26th you won't be expecting a huge bill at the beginning of the month! So, what are you going to use this year? Cash or Credit?





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