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	<title>Comments on: Are You Having a Difficult Time This Christmas?</title>
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	<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/</link>
	<description>Saving money and getting out of debt from a Christian SAHM perspective</description>
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		<title>By: Barbara Ann</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-14042</link>
		<dc:creator>Barbara Ann</dc:creator>
		<pubDate>Mon, 12 Jan 2009 02:36:19 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-14042</guid>
		<description>Awesome advise...if more people would remember the 3 &quot;f&quot; faith, family and friends...not only at Christmas but everyday of the year...a person can have all the money in the world yet without the 3 &quot;f&quot; honestly they have nothing. People that you claim to love should matter most in life...does money really have value if you are not loved?? The best gifts are found in knowing that you are truly loved, money can&#039;t buy. Really enjoying your website.</description>
		<content:encoded><![CDATA[<p>Awesome advise&#8230;if more people would remember the 3 &#8220;f&#8221; faith, family and friends&#8230;not only at Christmas but everyday of the year&#8230;a person can have all the money in the world yet without the 3 &#8220;f&#8221; honestly they have nothing. People that you claim to love should matter most in life&#8230;does money really have value if you are not loved?? The best gifts are found in knowing that you are truly loved, money can&#8217;t buy. Really enjoying your website.</p>
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		<title>By: free christian mp3 downloads &#124; Digg hot tags</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-13727</link>
		<dc:creator>free christian mp3 downloads &#124; Digg hot tags</dc:creator>
		<pubDate>Fri, 26 Dec 2008 10:29:24 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-13727</guid>
		<description>[...] Vote   Are You Having a Difficult Time This Christmas? [...]</description>
		<content:encoded><![CDATA[<p>[...] Vote   Are You Having a Difficult Time This Christmas? [...]</p>
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		<title>By: Super Surfing Saturday: The Christmas Edition &#124; Happy to be at Home</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-13367</link>
		<dc:creator>Super Surfing Saturday: The Christmas Edition &#124; Happy to be at Home</dc:creator>
		<pubDate>Sat, 13 Dec 2008 04:01:52 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-13367</guid>
		<description>[...] you having a difficult time this Christmas? Lynnae gives encouragement at BeingFrugal.net.   Bookmark It             Hide [...]</description>
		<content:encoded><![CDATA[<p>[...] you having a difficult time this Christmas? Lynnae gives encouragement at BeingFrugal.net.   Bookmark It             Hide [...]</p>
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		<title>By: Weekend Links &#171; The Faery Inn</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-13363</link>
		<dc:creator>Weekend Links &#171; The Faery Inn</dc:creator>
		<pubDate>Fri, 12 Dec 2008 22:40:18 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-13363</guid>
		<description>[...] Are You Having a Difficult Time This Christmas? [...]</description>
		<content:encoded><![CDATA[<p>[...] Are You Having a Difficult Time This Christmas? [...]</p>
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		<title>By: Amy</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-13360</link>
		<dc:creator>Amy</dc:creator>
		<pubDate>Fri, 12 Dec 2008 21:54:09 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-13360</guid>
		<description>What a great post!  We are also having a tight Christmas this year.  We have a few &quot;big&quot; items for our three girls and teenage &quot;adopted&quot; daughter that we got deeply discounted.  I got most of the girls&#039; things at a consignment sale earlier in the year or on ebay.  As for other family members, I have shopped all year long, so I haven&#039;t shelled out all the Christmas money at once.  Luckily, our daughters are 4, 2, and 3 months, so the older ones can share the big items, and the little one will be happy with anything.  One last thing that helps is that my wonderful mother-in-law gives us money for &quot;Santa&quot; gifts instead of buying the girls a bunch of things they don&#039;t need.</description>
		<content:encoded><![CDATA[<p>What a great post!  We are also having a tight Christmas this year.  We have a few &#8220;big&#8221; items for our three girls and teenage &#8220;adopted&#8221; daughter that we got deeply discounted.  I got most of the girls&#8217; things at a consignment sale earlier in the year or on ebay.  As for other family members, I have shopped all year long, so I haven&#8217;t shelled out all the Christmas money at once.  Luckily, our daughters are 4, 2, and 3 months, so the older ones can share the big items, and the little one will be happy with anything.  One last thing that helps is that my wonderful mother-in-law gives us money for &#8220;Santa&#8221; gifts instead of buying the girls a bunch of things they don&#8217;t need.</p>
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		<title>By: Last Minute Christmas Gift Ideas for Xmas 2008 &#124; Telling It Like It Is</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-13339</link>
		<dc:creator>Last Minute Christmas Gift Ideas for Xmas 2008 &#124; Telling It Like It Is</dc:creator>
		<pubDate>Fri, 12 Dec 2008 12:43:34 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-13339</guid>
		<description>[...] you are having a difficult time this Christmas and feeling stressed due to the economy or other reasons, Lynnae has some great low cost ideas for [...]</description>
		<content:encoded><![CDATA[<p>[...] you are having a difficult time this Christmas and feeling stressed due to the economy or other reasons, Lynnae has some great low cost ideas for [...]</p>
]]></content:encoded>
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		<title>By: The Friday gathering - Finger update edition</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-13334</link>
		<dc:creator>The Friday gathering - Finger update edition</dc:creator>
		<pubDate>Fri, 12 Dec 2008 12:01:13 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-13334</guid>
		<description>[...] Are You Having a Difficult Time This Christmas? @ Being Frugal [...]</description>
		<content:encoded><![CDATA[<p>[...] Are You Having a Difficult Time This Christmas? @ Being Frugal [...]</p>
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		<title>By: Frugal Dad</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-13333</link>
		<dc:creator>Frugal Dad</dc:creator>
		<pubDate>Fri, 12 Dec 2008 11:55:58 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-13333</guid>
		<description>Great reminders of what&#039;s really important this holiday season.  We were a little bummed to lean my mom won&#039;t leave the hospital until after Christmas, but we plan to still have a celebration here at home for the kids, and to remember the reason for the season.  When Mom comes home a week or two later we plan to have another &quot;homecoming&quot; celebration!</description>
		<content:encoded><![CDATA[<p>Great reminders of what&#8217;s really important this holiday season.  We were a little bummed to lean my mom won&#8217;t leave the hospital until after Christmas, but we plan to still have a celebration here at home for the kids, and to remember the reason for the season.  When Mom comes home a week or two later we plan to have another &#8220;homecoming&#8221; celebration!</p>
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	<item>
		<title>By: mortgage prepayment programs</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-13323</link>
		<dc:creator>mortgage prepayment programs</dc:creator>
		<pubDate>Fri, 12 Dec 2008 00:51:20 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-13323</guid>
		<description>yeah, hopefully next year will be brighter. i think this gloomy winter can be good, in a way, to help people realize that christmas really isnt all about the presents.
-jack</description>
		<content:encoded><![CDATA[<p>yeah, hopefully next year will be brighter. i think this gloomy winter can be good, in a way, to help people realize that christmas really isnt all about the presents.<br />
-jack</p>
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		<title>By: Rebecca Rivera</title>
		<link>http://beingfrugal.net/2008/12/11/are-you-having-a-difficult-time-this-christmas/comment-page-1/#comment-13321</link>
		<dc:creator>Rebecca Rivera</dc:creator>
		<pubDate>Thu, 11 Dec 2008 22:48:07 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=1265#comment-13321</guid>
		<description>This year our Christmas is greatly reduced. I am a single mom with a loving family &amp; church, so I love to get gifts for all those who help us out all year long! So last year I added it all up and we spent about $800 on Christmas (with 100 cards, stamps, and photo for cards, for my two boys-who I only spent $40 each on, and all the people I wanted to thank.) I could not do that this year. So I have decided to do a used Chrsitams. The cool thing is I found nice new stuff at a garage sale. Also I hosted a jewlery party and got $300 in free jewelry that I used on my mom, sisters, and niece for gifts.


So far this year I did buy my Christmas cards, photos, and stamps (we send out 100 newsletter cards each year.) This was $70. We also sent our sponsor child a Christma sgift $20. We also made boxes for Operation Christmas Child $20. I spent about $20 on used items at garage sales. I sent $60 mailing framed photos (used frames) to my grandparents, aunt, and sister out of state, and mailing a gift to a needy family (the gift was stuff that was all new, but I didn&#039;t pay for.) I also spent about $30 at dollar store on filler items. And we spent about $100 on new stuff for teacher&#039;s, and those who I could not find an appropriate new gift. 

Total so far: $320. But this was spread out all year long. I need to spend about another $30 on my brother, and about $25 each on my two boys, for a total of $400 spent. This is half of last year. Plus I have nice stuff for everyone on my list, but most was used or free to me. This took time all year but I still want to thank the special people in my life.
We made some hings as well.

Our favorite things to do though, as a family (my two boys &amp; I) are driving around to see lights (free), making homemade cookies, and rice krispy treats (cheap), and watching Christmas movies and reading Christmas books (free now that we have built up our collection.)

Of course we also take time daily to pray for those in our lives and those who have so much less than we do. 

Thanks -Becky R in NJ</description>
		<content:encoded><![CDATA[<p>This year our Christmas is greatly reduced. I am a single mom with a loving family &amp; church, so I love to get gifts for all those who help us out all year long! So last year I added it all up and we spent about $800 on Christmas (with 100 cards, stamps, and photo for cards, for my two boys-who I only spent $40 each on, and all the people I wanted to thank.) I could not do that this year. So I have decided to do a used Chrsitams. The cool thing is I found nice new stuff at a garage sale. Also I hosted a jewlery party and got $300 in free jewelry that I used on my mom, sisters, and niece for gifts.</p>
<p>So far this year I did buy my Christmas cards, photos, and stamps (we send out 100 newsletter cards each year.) This was $70. We also sent our sponsor child a Christma sgift $20. We also made boxes for Operation Christmas Child $20. I spent about $20 on used items at garage sales. I sent $60 mailing framed photos (used frames) to my grandparents, aunt, and sister out of state, and mailing a gift to a needy family (the gift was stuff that was all new, but I didn&#8217;t pay for.) I also spent about $30 at dollar store on filler items. And we spent about $100 on new stuff for teacher&#8217;s, and those who I could not find an appropriate new gift. </p>
<p>Total so far: $320. But this was spread out all year long. I need to spend about another $30 on my brother, and about $25 each on my two boys, for a total of $400 spent. This is half of last year. Plus I have nice stuff for everyone on my list, but most was used or free to me. This took time all year but I still want to thank the special people in my life.<br />
We made some hings as well.</p>
<p>Our favorite things to do though, as a family (my two boys &amp; I) are driving around to see lights (free), making homemade cookies, and rice krispy treats (cheap), and watching Christmas movies and reading Christmas books (free now that we have built up our collection.)</p>
<p>Of course we also take time daily to pray for those in our lives and those who have so much less than we do. </p>
<p>Thanks -Becky R in NJ</p>
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