My thoughts are with everyone living in the path of hurricane Sandy tonight.
I received and email invite from my MLM friend this morning to an information lunch on Thursday. I responded with a decline and a very honest explanation that I was not interested and hoped it wouldnt hurt our friendship. She says it does not- so time will tell. I just hope this puts an end to the constant sales pitch.
I ordered a few more Christmas gifts today. I am a fan of Ravensburger puzzles- and so I got a few age appropriate puzzles for grandkids. I also bought a Christmas themed one for me 
. I always enjoy starting a Christmas puzzle on Thanksgiving with the goal of finishing by Christmas. It is a 1000 piece puzzle, which should keep me (and vistors)plenty busy.
I am buying all Christmas gifts using my CU Visa, which pays 1% back on all purchases. I transferred the Christmas account from ING to the CU today so that I can pay as I play. The money will arrive on Wednesday. My spending plan is all set- I budget for each person at the begining of the year, and then save what I need to accomplish the budget each month.
It makes Christmas planning so much more enjoyable to have a plan.
I have been using the CU Visa for the 1% back for several months and the rebate goes into a savings specifically for this 'free' money. By the end of the year I should have about $200. (The CU will pay up to $500 per year) Next year I hope to find more ways to take advantage of this rebate and max out at $500 - since I pay the card off each month, it is free money to me.
Goodbye, I HOPE, to MLM invites..and more Christmas shopping done!
October 30th, 2012 at 03:08 am
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LOVE doing jigsaw puzzles over the winter holidays. We've got a couple we found on the free table or got for cheap -- can't wait to dig in!
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