That's what my wife and I do. We start with the t...

2007-11-19T02:59:00.000-06:00

That's what my wife and I do. We start with the total amout we are willing to spend and then we make a list of who we would like to but for. We write out how much we are willing to spend on each person so that it doesn't go over the total and then we brainstorm what we are going to get each person.

If we can't think of anything, we don't get anything. We don't give gifts just for the sake of giving gifts.

It really is less stressful this way and we never use plastic, ever. We get to January owing less money than we owed in December. No buyer's remorse for us.

We are going to pay off our van this week. All that's left is the car and house. That's the best Christmas present ever and frees up plenty of cash for shopping for friends and family.

Comments on Wisdom Steps 101 ... Be Weird...Be Debt Free: How to Become a Stress-Free Shopper

That's what my wife and I do. We start with the t...