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	<title>Comments on: Are you spending less on Christmas this year?</title>
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	<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/</link>
	<description>Christian Personal Finance - Financial help blog, debt help and other financial resources</description>
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		<title>By: Chris</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-18926</link>
		<dc:creator>Chris</dc:creator>
		<pubDate>Wed, 23 Dec 2009 02:27:50 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-18926</guid>
		<description>I&#039;m spendung less because I have less to spend. I see prices go up and never down. Why is that? GREED!</description>
		<content:encoded><![CDATA[<p>I&#8217;m spendung less because I have less to spend. I see prices go up and never down. Why is that? GREED!</p>
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		<title>By: Shari</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-8287</link>
		<dc:creator>Shari</dc:creator>
		<pubDate>Sat, 06 Dec 2008 22:43:52 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-8287</guid>
		<description>Yes. I&#039;m spending less this Christmas. Since we are having a recession, it is a great excuse to use with the kids for needing to spend less. Their grandparents are sending individual gifts to the kids and so my husband and I will just have to buy a few group gifts for the kids to share. Hopefully, the recession excuse will work on the out-of-state relatives, too. Gift giving with the relatives has become a habit that no one really even appreciates. I am sending a worship CD and framed group photo of the kids to the grandparents. Plus, I&#039;m including an early unwrapped gift for my mom - a Christmas historical fiction book I found at christianbook.com for only $2.</description>
		<content:encoded><![CDATA[<p>Yes. I&#8217;m spending less this Christmas. Since we are having a recession, it is a great excuse to use with the kids for needing to spend less. Their grandparents are sending individual gifts to the kids and so my husband and I will just have to buy a few group gifts for the kids to share. Hopefully, the recession excuse will work on the out-of-state relatives, too. Gift giving with the relatives has become a habit that no one really even appreciates. I am sending a worship CD and framed group photo of the kids to the grandparents. Plus, I&#8217;m including an early unwrapped gift for my mom &#8211; a Christmas historical fiction book I found at christianbook.com for only $2.</p>
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		<title>By: Nicki</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-7983</link>
		<dc:creator>Nicki</dc:creator>
		<pubDate>Tue, 25 Nov 2008 19:47:50 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-7983</guid>
		<description>Yes, we are spending much less this year. We&#039;re having an almost-entirely-homemade Christmas. It&#039;s a lot more work, but I think it will be the most meaningful Christmas yet.

Thanks!</description>
		<content:encoded><![CDATA[<p>Yes, we are spending much less this year. We&#8217;re having an almost-entirely-homemade Christmas. It&#8217;s a lot more work, but I think it will be the most meaningful Christmas yet.</p>
<p>Thanks!</p>
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		<title>By: Carolyn</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-7927</link>
		<dc:creator>Carolyn</dc:creator>
		<pubDate>Sun, 23 Nov 2008 03:54:16 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-7927</guid>
		<description>I&#039;m planning to spend less by using my AMEX reward points to get gift cards, then use those to purchase gifts for my family and friends.  Next year, I hope to have a Christmas fund like some of the others have mentioned and use cash.  I&#039;ve never done that before but that seems the smartest way to go.</description>
		<content:encoded><![CDATA[<p>I&#8217;m planning to spend less by using my AMEX reward points to get gift cards, then use those to purchase gifts for my family and friends.  Next year, I hope to have a Christmas fund like some of the others have mentioned and use cash.  I&#8217;ve never done that before but that seems the smartest way to go.</p>
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		<title>By: Poor Boomer</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-7926</link>
		<dc:creator>Poor Boomer</dc:creator>
		<pubDate>Sun, 23 Nov 2008 03:44:47 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-7926</guid>
		<description>This will be my fifth consecutive year of spending ZERO on Christmas.</description>
		<content:encoded><![CDATA[<p>This will be my fifth consecutive year of spending ZERO on Christmas.</p>
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		<title>By: Alexia</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-7915</link>
		<dc:creator>Alexia</dc:creator>
		<pubDate>Sat, 22 Nov 2008 16:41:40 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-7915</guid>
		<description>No. unfortunately, we aren&#039;t able to buy gifts this year, due to hubby (the sole bread winner) having been laid off. Now if we would have been smart and had an emergency fund (bills/utilities/food/gas) in place, and a Christmas fund (for gifts and meals and such) then we would still probably be spending just a little less... 

but we didn&#039;t! and now we have had to explain to our children that mommy and daddy didn&#039;t save for a rainy day, and there won&#039;t be any gifts this year.

Oh, well, what a lesson learned. and honestly God has been proving He is the Provider...over and over again. So who knows? maybe there will be some gifts under the tree?! :-)

 God is still good!</description>
		<content:encoded><![CDATA[<p>No. unfortunately, we aren&#8217;t able to buy gifts this year, due to hubby (the sole bread winner) having been laid off. Now if we would have been smart and had an emergency fund (bills/utilities/food/gas) in place, and a Christmas fund (for gifts and meals and such) then we would still probably be spending just a little less&#8230; </p>
<p>but we didn&#8217;t! and now we have had to explain to our children that mommy and daddy didn&#8217;t save for a rainy day, and there won&#8217;t be any gifts this year.</p>
<p>Oh, well, what a lesson learned. and honestly God has been proving He is the Provider&#8230;over and over again. So who knows? maybe there will be some gifts under the tree?! <img src='http://christianpf.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
<p> God is still good!</p>
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		<title>By: Ginger</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-7912</link>
		<dc:creator>Ginger</dc:creator>
		<pubDate>Sat, 22 Nov 2008 14:23:17 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-7912</guid>
		<description>I have asked my family to make a donation to the 2008 Emergency Christmas Relief Project that helps to support our soldiers that have been wounded serving our country. 

http://www.saluteheroes.org/

I had done a little shopping for a gift for my mom and we are sharing the cost on a new monitor for my Mamoe. Her monitor is going out. I am re-gifting to my niece the Xavix I bought for myself last Christmas. She is thrilled. It is also saving her dad from buying a Wii. 

My niece is the only little one left and the rest of my cousins are grown so I don&#039;t buy for them anymore. Graduation from high school was the cut off. I am the oldest of the group and the last one graduated last year. We all have what we need and I hate to give a gift just to say I swapped money.

Also, I have been encouraging all of my family members to stock up on the essentials of life and get prepared for hard times. I have been working overtime to build up the pantry, fix up some things in my house, and pad the emergency funds for hard times. These are more important than buying a gift for Christmas. Being together safe and sound is the best gift that any of them could give.</description>
		<content:encoded><![CDATA[<p>I have asked my family to make a donation to the 2008 Emergency Christmas Relief Project that helps to support our soldiers that have been wounded serving our country. </p>
<p><a href="http://www.saluteheroes.org/" rel="nofollow">http://www.saluteheroes.org/</a></p>
<p>I had done a little shopping for a gift for my mom and we are sharing the cost on a new monitor for my Mamoe. Her monitor is going out. I am re-gifting to my niece the Xavix I bought for myself last Christmas. She is thrilled. It is also saving her dad from buying a Wii. </p>
<p>My niece is the only little one left and the rest of my cousins are grown so I don&#8217;t buy for them anymore. Graduation from high school was the cut off. I am the oldest of the group and the last one graduated last year. We all have what we need and I hate to give a gift just to say I swapped money.</p>
<p>Also, I have been encouraging all of my family members to stock up on the essentials of life and get prepared for hard times. I have been working overtime to build up the pantry, fix up some things in my house, and pad the emergency funds for hard times. These are more important than buying a gift for Christmas. Being together safe and sound is the best gift that any of them could give.</p>
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		<title>By: Bobbi</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-7911</link>
		<dc:creator>Bobbi</dc:creator>
		<pubDate>Sat, 22 Nov 2008 13:39:53 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-7911</guid>
		<description>I am going to spend less, but more wisely. Quality, not quantity.</description>
		<content:encoded><![CDATA[<p>I am going to spend less, but more wisely. Quality, not quantity.</p>
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		<title>By: Caleb</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-7910</link>
		<dc:creator>Caleb</dc:creator>
		<pubDate>Sat, 22 Nov 2008 12:53:12 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-7910</guid>
		<description>My heart has actually driven me to spend more this holiday. I really would like to make this holiday special for some close family members. My sister is going through a divorce, amongst going through training in the Army. The circumstances have left my niece parent-less for the holiday. And she (my 3 year old niece) is staying with my mother, who is toting around a 16-month daughter of her own. Yeah, if you didn&#039;t catch that I have a young niece who&#039;s older than my baby sister. I help out as much as I can, and I really want to make this holiday special for the bunch, hence I&#039;m spending a bit more this year.</description>
		<content:encoded><![CDATA[<p>My heart has actually driven me to spend more this holiday. I really would like to make this holiday special for some close family members. My sister is going through a divorce, amongst going through training in the Army. The circumstances have left my niece parent-less for the holiday. And she (my 3 year old niece) is staying with my mother, who is toting around a 16-month daughter of her own. Yeah, if you didn&#8217;t catch that I have a young niece who&#8217;s older than my baby sister. I help out as much as I can, and I really want to make this holiday special for the bunch, hence I&#8217;m spending a bit more this year.</p>
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		<title>By: Gayle McLaughlin</title>
		<link>http://christianpf.com/are-you-spending-less-on-christmas-this-year/comment-page-1/#comment-7894</link>
		<dc:creator>Gayle McLaughlin</dc:creator>
		<pubDate>Sat, 22 Nov 2008 00:33:36 +0000</pubDate>
		<guid isPermaLink="false">http://christianpf.com/are-you-spending-less-on-christmas-this-year/#comment-7894</guid>
		<description>We are spending significantly less.  We are giving each other experiences and cutting back on our kids.  I wrote an article on How to have a buy nothing Christmas

http://www.ehow.com/how_4611949_have-buy-nothing-christmas.html

It made me stop and think!</description>
		<content:encoded><![CDATA[<p>We are spending significantly less.  We are giving each other experiences and cutting back on our kids.  I wrote an article on How to have a buy nothing Christmas</p>
<p><a href="http://www.ehow.com/how_4611949_have-buy-nothing-christmas.html" rel="nofollow">http://www.ehow.com/how_4611949_have-buy-nothing-christmas.html</a></p>
<p>It made me stop and think!</p>
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