1. Zero our of pocket for presents is impressive! And wow 5k+ extra towards mortgage! Amazing. That’s gotta be a great feeling. Thanks for sharing Penny! You’re a great light to the world, what a nice way to start the holiday season.

  2. Jo-Anne

    Well done to everyone on the money wins!!! I know that as I have maxed out my required CPP/EI (Canadian gov’t taxes type thing) I always try to take one of the “bonuses” and either buy gifts for the Santa’s anonymous or to get a bunch of puzzle type books and blankets for seniors around Christmas time. Personal bonus, is being able to save up my points for free groceries for the year and not having to spend a bunch extra on groceries for Christmas.

  3. I agree that if you have planned to spend the money during the holiday season, then why not? As long as you don’t spend money that you don’t have I don’t think it’s a problem.

    These are also some great money wins. I’ve asked my family a couple of times about doing Secret Santa, but no one is ever interested. The good thing is that it’s not many of us anyways.

    My money win so far for the holidays happened at Old Navy unexpectedly. I was actually in there to kill some time, but ended up buying several gifts for several people on my list. All under what I had budgeted!

  4. Yaaaas to all of this!!!! The holidays don’t have to be bad for the pocketbook. 🙂

    We’ve got two awesome holiday wins that I’m excited for. One, we paid off the car last week (!!!). That means we have more cashflow during this important time of the year. Phew.

    Two, we’l be able to use credit card rewards to pay for Christmas gifts. I’m super happy that we can be generous for Christmas without worrying about the bill in January.

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