Last month, I wrote about how my husband and I are starting the process of estate planning.  There were some great comments on that post – thanks for all your thoughts!  Although I must say, I was surprised at how unanimous the opinions were in terms of hiring a lawyer instead of using software to do it ourselves – usually my readers tend to be pretty split on issues like this.

We haven’t decided what we will ultimately do, but for now, we’re working through the process ourselves.  Just as with our taxes, we want to really understand the whole plan, rather than just hand it over to a lawyer.  The first step we took was to pay $14 for the Suze Orman protection package, which is teaching us a lot.  We’ve already used it to do my healthcare power of attorney and advance directive (still need to get it witnessed and notarized), and will do my husband’s this weekend.  That alone is worth more than the $14 we paid for the program.  We’ll go through the whole program, paying attention to the details and figuring out what questions we need to ask ourselves, and what the answers will be.  We may end up using a lawyer for the will and/or trust paperwork, but I want to understand all of the details before we show up in the law office – if we do at all.

One of the issues to which we hadn’t ever given much thought was inheritance in general.  I guess we had both just assumed we’d leave our estate to our son, but we hadn’t thought about it beyond that.  Once we started to consider it, we decided that we don’t like that idea at all.  In general, we’re both relatively opposed to the idea of people inheriting large sums of money.  Right now, our net worth isn’t much.  But it’s growing at a fairly good pace, and ten or fifteen years from now (to say nothing of fifty), it could be a considerable sum.  We have known several people who are aware that they stand to inherit large estates, and to be perfectly honest, we feel that the knowledge of the future inheritance has had a negative impact on those people.  Some even get irritated when their parents spend money, as they feel entitled to the money (?!?!)  Some don’t put much effort into saving or planning for the future, as they are simply counting on the inheritance to fund their retirements.  To each their own, but our opinion is that large inheritances are often more of a curse than a blessing.

We want to give our son the tools he’ll need to be successful in life.  We’re saving to help pay for his college education, but only $100/month, and we have no plans to fully fund his education – we want him to take an active part in that process too.   In general, we want to give our son the things that money can’t buy.  We want to teach him the value of money, and how to manage it responsibly, but we want him to earn his own money and make his own way in the world.  As soon as we had a conversation about this, it was an a-ha moment for both of us.  We didn’t want a will or trust that simply left everything to our son.

For now, our son is not even two yet.  If we both die, he’ll need a guardian, and he’s also the contingent beneficiary on our life insurance policies.  The guardian we’ve picked is just as frugal as we are, and the life insurance money would be more than enough to raise our son to adulthood and pay for college.  But what about the rest of our estate?  These are the questions we’re looking at now, and there are no easy answers.

We did take a first step earlier this week when we opened our SEP IRA accounts.  We each listed each other an our primary beneficiaries, but rather than listing our son as the secondary beneficiary, we each picked a favorite charity.  The nice thing about retirement accounts is that beneficiary designations make it very simple to transfer assets without a will.  The Vanguard forms we filled out just required us to check a box and list the charity of our choice – couldn’t have been easier.

Hopefully we’ll both live to be 110 and spend our last dime the day before we die.  But just in case, we’re working our way through this process.  I gotta say, I’ll be glad when we’re no longer pondering our mortality!

My husband and I each bought life insurance policies several years before our son was born.  We put them in a drawer and pretty much forgot about them ever since.  The payments are automatically deducted from our bank account, and there isn’t really anything else to think about.  And now that our son is almost 21 months old, we’ve finally gotten around to adding him as the contingent beneficiary on our policies.  Yes, I know… 21 months.  We are especially on top of things.

Anyway, now that we’ve checked that task off of the to-do list, we’re thinking that it’s high time we wrote wills and appointed a guardian for our son in case both of us were to die.  Not the most pleasant thing to ponder, but I know we should do it.  A friend of mine is pregnant at the moment, and she and her husband are in the process of doing the same thing, before the baby is even born.  Her super-responsible habits are inspiring me.

My husband and I are both close to our families, and there’s no drama or issues on either side.  I know that we don’t have to worry about things like wills being contested or anything like that.  But I suppose we should actually get it all down on paper, just to be sure.  Our situation isn’t particularly complicated – we own a home, have IRAs and a few other savings accounts.  But we also own our own business, which I guess could complicate things a bit.

I’m wondering if any of you have ever used will software?  I know that we could get a lawyer to do it for us, but my frugal nature (combined with the fact that I am 100% sure that all of our family would support our wishes, even if they were written on a napkin) means that I’m looking into less expensive options too.  Any thoughts are appreciated!

I love grocery shopping.  I have no interest at all in going to the mall, but I can happily spend an hour or so wandering around a grocery store.   We almost never eat out, and I cook just about all of our food from scratch, which helps to keep our total food costs reasonable.  According to our credit card spending report, we’ve average just under $600/month for the last 12 months at grocery stores.  In addition, we usually spend about $150/month at Costco, most of which is for food.  After housing, food is definitely our largest expense.

I usually go into town and do my grocery shopping once a week.  But it’s been 11 days now since I went shopping, and we’re still going strong.  I decided to see how long I could go without shopping, and it’s working great.  We have a pantry and freezer full of food, but I tend to focus on the fresh produce first, forget about the stored food, and then go back to the grocery store when I run out of fresh produce.  This time, I’m focusing on using up what we have before I go shopping again.  We have lots of dried legumes in the pantry, so we had lentil soup yesterday and we’re having black bean chili this evening.  I have been using greens from our cold frames for green smoothies, and combining them with dried greens that I have on hand (spirulina, several kinds of seaweed, wheat grass powder, and dried mint leaves).  I’m using up frozen veggies and bulk dried items.  We eat oats for breakfast every day, and since we buy our oats in 50 pound bags, we rarely have to replenish our supply.

Since we live in a small town now, we spend almost no money unless we go into the big town 10 miles from here.  That’s where the grocery store and thrift stores are, as well as most of the other places where we buy things; we try to combine trips, and schedule all of our errands to coincide with a grocery run.  So if we aren’t grocery shopping, we pretty much aren’t spending money at all.  We’re more than half way through our current credit card billing cycle, and we’ve had a total of 12 transactions so far.

I’m loving this challenge of making nutritious meals for my family just using what I already have on hand.  I’m finding that a little creativity goes a long way, and I’m hoping to make it to the weekend before I have to shop again.

Every year, I make Christmas ornaments for our five nieces.  I love making them, and the girls tell me they love putting their own ornaments on the tree.  Some years I’m stumped for ideas, but last week I came up with an idea that I really like, and I’ve made three ornaments so far.  Here’s a picture of the first two:

In my craft stash, I had kept a pile of old Christmas cards (this goes against my new clutter-free lifestyle, but my craft corner is exempt).  To make these ornaments, I cut squares and rectangles out of the cards, used a needle to punch small holes all around the edges, and then stitched them together with embroidery floss.  Each one took me about an hour to make, and they are a thoroughly enjoyable project. 

Overall, we’re planning to skip Christmas this year.  Our son is only 18 months old, and gets just as much pleasure out of a drawer full of wooden spoons as he would from a tree piled with presents.  So we plan to skip the tree and all the craziness this year.  But the ornaments for my nieces is a tradition that I enjoy, it’s stress-free, fun, and in this case, turns old Christmas cards into something new and pretty. 

I got an email from a reader today, asking what sort of things our toddler does with his time, particularly since we don’t have a TV.  I thought I’d share some of what we do, in case other readers are looking for ways to occupy a small child without TV or expensive toys.

I’m very lucky in that my husband and both work from home.  When our son was born, I cut back to only about three or four hours of work for our business each day – the rest of my time is devoted to our son and our household.  My husband has his office set up in our basement, and we keep the stairs blocked off so that our son stays on the main level with me during the day.  We have childproofed the kitchen/living room/dining room area, and put childproof covers on the doorknobs leading into the other rooms.  That way he’s always in the same area with me during the day.  When I go outside to water the garden or hang up laundry, he goes with me, and entertains himself by playing in the dirt, gathering stones, stacking flower pots… we have a 3/4 acre backyard, so there’s always plenty for him to do out there.

In the house, we keep it pretty simple, which means he gets ample time to use his imagination.  He loves to play with my pots and pans.  He will entertain himself for long stretches to time by taking every pan and lid out of the cupboard, and carrying them one by one into the living room, where he sets them on the coffee table.  Then he gathers whatever containers he can find, and pretends to pour or shake “ingredients” into the pans.  Then he gets some utensils (I let him have save ones like spatulas and wooden spoons) and stirs his imaginary soup.  I guess he’s spent plenty of time watching me cook!

We have a fairly large collection of board books, thanks to my friends at the library where I used to work (they had a book shower for me before our son was born).  He likes to climb up into the recliner and “read” his books.  He’s always thrilled if we join him, but he’s also happy to just flip the pages and look at the pictures.

Every day, unless the weather is really horrendous, I take our son and our dog for a walk, usually for about an hour.  Sometimes we use the stroller, sometimes the Moby Wrap.  Our son loves to point out cars and dogs and airplanes – pretty much anything that moves.  We also go to the playground if the weather is nice.

We keep a box of toys in the living room, and he likes to dump them out and make up games to play.  They are all simple toys, mostly gifts from his grandparents, and a few wooden toys that we’ve picked up at thrift stores.  We also made a play area down in the basement in my husband’s office, using one of those super long sectional baby gate/cage things (my husband found it in a dumpster, and it’s in perfect shape).  We keep another box of toys down there, and in the evenings while I do yoga, my husband takes our son down to his play area in the basement, and they hang out together.  They are both happy for long periods of time just tossing a ball back and forth, so they do that a lot.

We keep a third box of naptime toys in our son’s room, in the closet.  Every day, when I put him down for his nap, I put the naptime toys in the crib with him.  He plays with them for a few minutes before he falls asleep.  Since we started this trick a few months ago, we haven’t had any fuss at all during naptime (he used to cry or need to be nursed to sleep for his nap).  The naptime toys are just toys that I gathered up from his other boxes – nothing special, but because he doesn’t see them all day, he’s interested in them when he does see them.

Our son has never watched TV.  We had one until he was about 11 months old, but we never turned it on while he was awake, so as far as he knew, it was just a black box.  Now that we don’t have one at all, his days are automatically taken up with other things.   He’s never seen commercials, so there’s no desire on his part to have any new toys or gizmos. Nothing we have is fancy, but our son is happy pretty much all of the time.  Thus, we’re going on the “if it ain’t broke…” theory.

We don’t have our son enrolled in any sort of programs or structured activities.  We go to the library, but I haven’t enrolled him in story time yet, mainly because we go at different times every week, whenever I can fit it in around the rest of my schedule.  We see other kids at the playground, and I get together every now and then with a friend who has a toddler, for a playdate.  My honest opinion is that kids just need love, lots of laughter, toys that let them use their imagination (stuff from the recycle bin works just fine), and a secure environment.  I’m not a fan of structured activities for preschool age kids.  I also like to keep our life as low-stress as possible, and not trying to juggle a bunch of  outside commitments for a toddler helps to keep it that way.

That’s our life with our son.  It’s simple, very inexpensive (mostly free), low-stress, and lots of fun.  I often find myself on the floor, driving “cars” (blocks) around the carpet, making vroom-vroom sounds, and realizing that nothing could make me or my son any happier.

I’ve mentioned before that we use one credit card for pretty much all of our spending.  We get 1% cash back on the card, and it’s an easy way to keep track of our spending, since it’s all listed in one place on the statement.  Our billing cycle starts and ends around the 10th of each month.  This morning, I noticed that we’ve spent a total of $835 so far in this cycle, and we’re already 2/3 of the way through it.  And that includes plane tickets to go visit my husband’s parents in the spring ($280 for two tickets – our son will still be under two, and flying for free at that point), and $110 to have all of our locks and deadbolts changed (something we had been meaning to do ever since we moved in, but only got around to doing a few weeks ago).  That means we’ve only spent $445 on everything else so far, and we only have about another eleven days in this billing period.

Most of that money was for food and home repair stuff, with a few other random things here and there.  Basically, we’re living well below our means, and loving it.

Last night, after dinner, we sat around the living room and my husband made funny noises at the cat.  Every time he did, she would open her eyes very wide, and stick her ears straight up.  I was laughing so hard that it hurt, and our son couldn’t stop laughing either.  And it hit me – this is what it’s all about.  Having fun, laughing, enjoying my family… we really don’t need anything else.  There is nothing that I could have bought that would have given me more pleasure than just laughing with my two favorite guys.  (Ok, so I guess we did buy the cat – the adoption fee was $85 at the animal shelter, and we do have to feed her.  But she’s obviously worth it.)

Lately, I’ve been noticing more and more that I am really happy, nearly all of the time.  I don’t think it’s a coincidence that my happiness seems to have increased as we’ve been actively trying to simplify our life.  I have mentioned before that I don’t particularly like to clean.  As a result, our house was often chaotic and messy, but I brushed it off by telling myself that I was just a creative cook, or too busy to clean.  A couple months ago, I decided to change this aspect of myself.  I started by making the bed every morning.  For two months now, I’ve been making the bed as soon as we get up, every morning.  At this point, I can’t imagine not making the bed – even though I only used to make it once or twice a week.  After I got in the habit of making the bed, I decided to tackle the kitchen.  First, I decluttered in a big way.  Then I committed to cleaning up the kitchen after every meal.  I cook from scratch pretty much all the time, and used to only clean the kitchen after it got really messy.  But for the last month, I’ve been cleaning as I cook, and cleaning thoroughly after each meal.  I cannot even describe the difference this had made in the state of our kitchen, and in my own mental wellbeing.  I love walking through our house now, and seeing lots of wide open spaces and clean counters.  Just as with making the bed, I now cannot imagine leaving a mess in the kitchen after a meal.  Frugal Trenches, one of my favorite bloggers, keeps her house 5 minutes from ready.  We have a toddler, so I’m shooting for 15 minutes from ready – still a big improvement over what it used to be.

I know this post seems a bit disjointed, but I’m hoping to convey the feeling of peace and calm that I have nearly all of the time now.  We don’t even have to try to not spend money anymore, because we’ve just gotten in the habit of doing things that don’t cost money.  We don’t know what the future holds as far as our income, and by not spending the money we’re earning now, we’re giving ourselves a cushion against future lulls in our income.  And if that doesn’t happen?  Well, early retirement sounds good to me.  Living simply and frugally, combined with decluttering, organizing, and keeping our living space clean and simple has all contributed to greatly reducing the stress and worry that I used to carry around with me.

Our new house doesn’t have a washer and dryer.  Well, it does now, but they aren’t included with the house.  I knew that I wanted to get a front loading washing machine once we moved.  I love that they use far less water, and the ones I’ve used (at friends’ houses) seem to spin things out much better than my top loader, so that clothes don’t take as long to dry.

I had been checking out Craigs List, but the few front loaders that I found were usually at least $500.  New, they typically start at $800, although I sometimes see sales where they get down around $600.  Still a lot to pay, but I was considering it.

A couple days ago, my parents were in their local Habitat for Humanity thrift store, and called me to say that they had found a front loading washing machine for $250.  The manufacture date on it was September 2003, and it came with a pedestal that raises it up off the floor.  The washer is now in my parents’ garage, and they have tested it to make sure that it works.

Just on a whim, I went to the appliance section at Home Depot yesterday to see what the pedestals that go under washing machines cost.  $219.  I couldn’t believe it – I actually went and asked an associate if I was understanding the sign correctly, and he assured me that I was.  That makes our $250 washer even more of a steal, since it came with the pedestal.

There was a matching dryer at the thrift store, also for $250.  But we’re going to try not having a dryer, and see how it goes.  I can’t remember the last time I used our dryer, and I think that we’ll be just fine without one.  We’ll be installing a clothesline right away, and we have our drying racks to use indoors if the weather is bad.  I stopped using our dryer about two years ago, and have made it through two winters without using it (summers are easy).  And that’s in a 1300 square food home where I have to set the drying racks in the dining room and bedrooms.  In our new house, I can set them in the basement where they’re out of the way.  So overall, I’m thinking we can get by just fine without a dryer.

Have any of you given up your dryer to the point of not having one?

The following is a guest post from Trisha Wagner, discussing how our financial habits impact our children.  I grew up in a family where DIY, frugality, conservation, and making do were virtues.  There was always money available for things that were truly necessary, but that was because my parents did such a good job of not wasting money on things that weren’t really necessary.  My husband and I consider frugality to be a virtue regardless of inccome.  We are  passing that value on to our son by avoiding needless consumerism, buying nearly everything second-hand, and partaking in lots of free entertainment (hiking instead of going to the movies, for example).  I’m grateful to my parents for the frugal nature and desire to save that they instilled in me.  It has helped immensely over the years when money has been tight.  I hope that one day our son will also be grateful for the frugal values that we’re passing on to him.  As you read through Trisha’s article, think about your own children, and what sort of adults you want them to become.  Nobody sets out to deliberately create a spoiled, financially illiterate child.  But sometimes parents with the best of intentions go down that path out of what they think is love.  The rought economic times we’re going through are difficult, no question about that.  But a child raised in a home where money is tight but well managed will have a better start in life than a child who is raised in a home where money is plentiful and no request is ever denied, or one raised in a home where the family lives beyond their means.  Thanks for such a timely article, Trisha!

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Upper to middle class parents may have more issues during the current economic climate than just dealing with tightening the purse-strings to make it through harder times. Talking to your kids about why there is less money for indulgences may be just as large an issue to contend with, especially if finances have never been an issue before. Financial responsibility is something we learn at home long before we take our first class on economy. Many families will learn this the hard way by failing to avoid these common pitfalls in raising your children to be respectful of finances.

• Indulging your children’s every wish and whim. While families with less disposable income teach this lesson early, families that have the means to purchase whatever it is that Johnny or Suzie want sometimes have difficulty in saying no. After all, why deprive your child something that he or she wants when you have the ability to provide it? Stated simply- if you child never wants for anything, they can never truly learn how to appreciate the things they have. Just because you are able to buy whatever it is they want, does not mean you should. You will be doing yourself and your kids a favor by learning when to say no to things they simply do not need. If you don’t start this at a young age, do not expect it to get easier as they grow. As your child matures it is your responsibility as a parent to teach them that it is a big world out there and things will not always happen as they wish.

• Not providing your child guidance on how to manage money. This mistake can have a severe impact on your child when he/she is old enough to obtain credit cards or start living out on their own. If you provide your child with an allowance without making them responsible for contributing to their own expenses you are teaching them that money is for buying fun things only. While it is important to give your teen some freedom in learning how to spend or save, it is recommended you make them financially responsible for some of their own expenses as well. After all, when they get in the real world, they will not get their entire salary to spend on whatever it is they fancy. Money must be budgeted to pay for expenses, purchasing necessities and of course savings for a rainy day. It is much easier to learn these lessons as a teen and young adult BEFORE entering the real world where mistakes can be costly.

• Failing to make kids work for their money. When you child is old enough to need or want an allowance they are certainly old enough to contribute something to earn it. Even small children can learn the value of money by having simple chores such as keeping their room clean or helping mom or dad around the house. It is human nature to take for granted what is received without having to sacrifice or work for the end result. Unless you are able to leave a sizable trust for your children in which they will never have to work for a living, it is best to teach them at a young age that nothing in life is free.

While it is admirable to want to provide for your family’s every need, in some cases you are doing more harm than good by making the high life too easy. By teaching your kids real life lessons about money and money management you are preparing them to deal with the reality of life as an adult and that lesson is priceless.

Trisha Wagner is a freelance writer for DepositAccounts.com, where you can compare rates from dozens of banks in one place. Trisha writes regularly on the topics of personal finance and saving money.

We just spent a lovely evening with some friends who were passing through town on their way to a Thanksgiving celebration tomorrow.  We’ve known them for years (I met her when I was a sophomore in college), and always enjoy getting together with them.  They had called and asked if we wanted to meet for dinner this evening, but I suggested that they come to our house instead, and offered to cook.  I knew it would be less expensive and far easier with three small children (they have a 3 year old and a toddler).  I made a great casserole out of beans (cooked in our solar oven earlier today), carrots, onions, mushrooms, a home-made sweet and sour sauce, and a topping of sliced potatoes.  It turned out fantastic, and is nearly all gone (everyone went back for seconds, which is always a good sign).  The ingredients were all inexpensive, and it was much healthier fare than we would have gotten at a restaurant.  I also made a big salad using peppers and tomatoes and greens from our hydroponic garden.  For dessert, I made raw german chocolate brownies.  When our friends saw the dessert they were curious, and asked what was in it.  Dates, raisins, nuts, cocoa, coconut… (as usual, I improvised, since I didn’t have all the ingredients on hand).  They were a tad bit skeptical, and offered to split one between the two of them.  That soon disappeared, and they both went back for more.  So I was feeling very successful by the time the meal was finished.  My salad was gone, the casserole was nearly gone, and half the pan of brownies disappeared in under five minutes.  The whole meal was vegan, and half of it was raw, and everyone loved it.

The best part about having dinner at our house instead of going out to eat was how much easier it was on the kids (and the adults who take care of the kids!)  The three year old finished her meal and asked to be excused, and went and read our son’s books.  We fed our baby and their toddler at the table without worrying about messes or noise.  The kids were able to play with toys and run around after dinner without being packed into cars.  It was easy and convenient – and less expensive than going out.  True, there was effort involved, but I love to cook (the cleaning that I had to do before they got here wasn’t as much fun, but now my house is sparkling, so it was worth it).

Our friends left a big bag full of little boy clothes that their son had outgrown – so I’m especially glad that we provided dinner for them.  We got all sorts of great stuff, including a pair of adorable little Robeez shoes that he will be wearing to Thanksgiving tomorrow.  My friend got most of the stuff as hand me downs when her son was born, but even third hand everything is still in great shape.  Babies grow so fast that the clothes still look like new by the time they’re into the next size.

Have a wonderful Thanksgiving tomorrow.  Take time to be thankful for what you have.  And remind your loved ones that you love them.

When I wrote yesterday about the awesome wooden toys we found at a thrift store, a reader wondered if we would do our holiday shopping in thrift stores.  So I thought I’d share my holiday gift plans.  First, I have to say that we try very hard to keep the holidays pretty low key around here.  We will be getting a little Charlie Brown tree this year, mainly because we have a little boy who will be fascinated by the lights (the last time we had a tree was 2003).  The forest service clears saplings in the hills near our city to prevent overgrowth, and they sell the trees to raise money for forest service projects.  The trees are as cute as can be, take about six minutes to put up and take down, and just have a few branches – simple and easy.

We went to a beautiful park last week and my brother took pictures of our family for our Christmas card photo shoot.  We ended up with some really great shots, and will be picking one to get printed on photo greeting cards.  I saw a sign at Costco last week advertising 50 photo greeting cards for six dollars.  So we will be all over that.

I make Christmas ornaments for our nieces every year.  This year, I’m planning to use a beautiful piece of fabric that I bought ten years ago in Tanzania to make cloth ornaments.  The fabric has been sitting in my closet all these years, and it will make great ornaments (I’ll post pics once I get them done – for now the pictures are only in my head).  I even found a bag of fiberfill stuffing at the thrift store for 25 cents, so I have everything I need to make the ornaments.

My family stopped exchanging Christmas presents years ago, once all of the kids were grown.  My parents are of the view (and I agree) that Christmas and the presents that go along with it are for children.  They gave us gifts when we were young, but stopped when I was in college.  My younger siblings were still living at home, but my parents switched to a tradition of taking them on a trip for Christmas rather than buying gifts.  Now that we’re all adults, we just get together for food and fun, which will involve lots of playing with our son this year.  We’re hosting Christmas dinner for my family at our house – there will be lots of food, but no gifts.

My girlfriends and I stopped exchanging gifts a few years ago.  We’re all adults, we’re all able to buy things that we need, and we all consider getting together for a meal, or a good long phone conversation to be far superior to additional possessions.

My mother in law loves Christmas and always gets us lots of gifts.  But she’s also very easy to please, and she loves simple gifts that involve photos of her grandkids.  With the hundreds of photos we have of our son, and my somewhat crafty nature, I’m sure I’ll be able to come up with something perfect.

We won’t be doing much in the way of gifts for our son.  He’s too young to understand the whole thing anyway, and is just as happy with a wooden spoon as he would be with a fancy toy.  We might get him something from the thrift store, but we might not.  As I said, we keep Christmas pretty low key around here.  We’re not religious, so really it’s just like any other day.  If we end up finding more nifty stuff at the thrift store, we’ll probably just give it to him right away, rather than waiting for Christmas.

I’ll bake several batches of muffins and deliver them to some neighbors and my friends at the library.  I’ll also give some to the men who collect our garbage and recycling, and the people who deliver our produce and mail.

That’s pretty much it.  Homemade gifts in the form of ornaments and muffins are very inexpensive and fun to make.  Whatever I end up doing for my mother in law will be fun too.  We will be spending some money on food for Christmas dinner, but everyone will bring a side dish, so whatever we end spending won’t be a budget buster.

Since we keep everything pretty simple around the holidays, we can relax and enjoy the season.  To be honest, the part I’m most looking forward to is dinner with my family, and going for walks in the evenings with my husband and son, all bundled up against the cold.  I can already imagine the look on our son’s face when he sees Christmas lights all over the houses.  I guarantee he’ll enjoy that just as much as he would if we spent half a day in Toys R Us buying stuff for him.  And going for walks is free.