4Consider How Many Hours Of Work Items Cost
You might want to think about how many hours you had to work to get this treat. One and a half work days might not really be worth it. And gifts for others could be running you up more in bills than you’d ever spend on yourself. Naturally most people lose control of their spending around Christmas, so scale back your gift giving this year.
If you just got a mortgage, you’ll be spending most of it toward interest, meaning you don’t have a lot of equity and might want to think about giving it back, particularly in a second mortgage situation.