We are only 70 days from Christmas! This is a KNOWN, UPCOMING EXPENSE. Ignoring known, upcoming expenses is one of the number one reasons that budgets fail.
You have 70 days until Christmas, but really probably only 40 or so to save for it. Have you committed to pay cash for Christmas this year? Share your progress!
If you have saved nothing for Christmas so far, what steps are you going to take to avoid debt?
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