Christmas plus credit cards equal overspending


English: Santa Claus with a little girl Espera...

English: Santa Claus with a little girl Esperanto: Patro Kristnasko kaj malgranda knabino Suomi: Joulupukki ja pieni tyttö (Photo credit: Wikipedia)

Humans are strange creatures. We reason that, since we don’t have any extra money to buy Christmas gifts, it is okay to charge the gifts. With a credit card, it is too easy to charge and charge until we have created a huge bill. Where will the money come from to pay the large monthly bill? No problem, we have an entire month before we have to start paying it back.

Every parent wants to buy gifts for his children. Nobody wants young children to learn too early that Santa doesn’t exist. If Christians would tell their children that Santa is just a fairy tale like Cinderella or Snow White, and mom and dad have to buy the gifts, maybe they wouldn’t be so expectant of expensive gifts. For some reason, parents believe it is justified to lavish children with anywhere from five to 15 expensive gifts. Children won’t expect what they have never received.

Keep Christmas gift-giving sane. Don’t get carried away and try to buy every gift on a child’s wish-list. The entire family suffers when the credit card bills come due anyway. Even if you have already established a pattern of over-giving at Christmas, you can still halt this run-away train and put it in reverse.

If children are old enough to understand, explain that Christmas will be lean due to financial circumstances. Ask them to choose just one gift this year. If children are too young to understand about finances, they are too young to know the difference between what they received last year and what they will receive this year. In other words, just buy one or two durable, but inexpensive gifts. Too many toys just overwhelm children anyway.

For gift exchanging among friends, church family and relatives, bake your best desserts, cookies or make candy and wrap it in pretty package. You can’t really please everyone anyway. Food puts a smile on their face every time. You could also get ideas for homemade gifts that look as elegant as anything you could buy by checking pinterest or stumbleupon.

Don’t let Christmas put you in depression when the bills roll in for the new year. Take charge instead of letting the charge cards take control of you. Getting out of debt is like losing weight. It takes a few minutes of pleasure to gain it, but a lifetime to lose it.

Tropical Traditions: Your source for virgin coconut oil


Gold Label Virgin Coconut OilWhen making your own soaps, balms, lotions and other grooming products, there are a number of oils you can use. I use coconut oil because it is rich and creamy and I love the fragrance of coconut. Think long, lazy days, the beach, suntan lotion and the warmth of the summer sun. The key is using high quality oils like those sold by Tropical Traditions. One lucky person will win one quart of Gold Label Virgin Coconut oil to use for the holidays. With a full 32-oz. jar of coconut oil to use, you can make the rich, creamy fudge and the hand-crafted soaps for grandma this year.

Although Tropical Traditions provided me with a free sample of their Gold Label Virgin Coconut Oil, I was under no obligation to review this product. Neither was I obligated to write a positive review or sponsor a giveaway in return for the free sample.

Gold Label Virgin Coconut Oil - 32 oz.Win 1 quart of Gold Label Virgin Coconut Oil!

Tropical Traditions is America’s source for coconut oil. Their Gold Label Virgin Coconut Oil is hand crafted in small batches by family producers, and it is the highest quality coconut oil they offer. You can read more about how virgin coconut oil is different from other coconut oils on their website: What is Virgin Coconut OilYou can also watch the video they produced about Gold Label Virgin Coconut Oil. In my opinion, the coconut oil from Tropical Traditions is superior to all others I have used in making my natural grooming products. The taste of Gold Label just has to be experienced to appreciate how much better it tastes and performs than other oils.

Tropical Traditions also carries other varieties of affordable high quality coconut oil. Visit their website to check on current sales, to learn about the many uses of coconut oil, and to read about all the advantages of buying coconut oil online. Since the FDA does not want us to discuss the health benefits of coconut oil on a page where it is being sold or given away, here is the best website to read about the health benefits of coconut oil.

Since there are hundreds of uses for coconut oil, you may appreciate these recipes by Tropical Traditions. Yes, virgin coconut oil can be used to make delicious cakes, pies, desserts and more, like creamy black and white toasted coconut fudge.

Click on the link below to enter for your free 32-oz. jar of Gold Label Virgin Coconut Oil. The giveaway starts November 27 and ends December 18, 2012. Enter once a day until the giveaway ends.
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Buy virgin coconut oil from Tropical Traditions today. They have a money-back guarantee, so you have nothing to lose. Receive bonus entries by doing the following:

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If you order by clicking on any of my links and have never ordered from Tropical Traditions in the past, you will receive a free book on Virgin Coconut Oil and I will receive a discount coupon for referring you.