Spending that amount on a Christmas gift per child is absolutely ridiculous!! People have forgotten the true meaning of Christmas. The best gifts as a child I remember and loved were hand crocheted mittens from my great grandmother, homemade patchwork quilt. The greatest gifts of all are health and family Spending time together.
Right we were happy with coloring books and crayons for the most part. As preteens my big gift one year was a camera, that was it. A guitar one year was on my list, a doll, doctor's kit, I bet my parents never spent over $50 for all of us kids ( 4) in the 70's. We all had bikes but they bought them used it was not a big ticket item under the tree. My goal this year was $25 or less per person for Christmas and same for birthdays.. Here is the question parents should be asking their kids right now "Do you remember what you got for Christmas last year"? guarantee they don't remember even one item. Anna In Ohio
I love the deal I have with my partner. We each decide something we want for ourselves and we give each other the same amount of money. So it works out to just buying something we want for ourselves. I got a espresso machine I've wanted for a while and my partner got a gaming setup. It was a good way to work with the most important person to me to make sure we got each other something we actually wanted.
Started a Christmas club with a portion of tax money. Added monthley. Spent $300.00. Each child two kids. Plus whoever I buy for. No Christmas Debt. Thankfully. Starting christmas club again already.
this is why my grandparents handed out fruit cakes at Christmas, they learned from the other guys mistakes, 70 percent of Christmas gifts are recycled or returned for the money anyway. I don't fall into that trap anymore it is madness. plus how do you think Jesus thinks about Christmas being celebrated this way when it is all about money and people suffering over Christmas debt. just eat good and be happy. life is good. if I still had young children sure I would get them a gift but it sure as hell would not be a 500 to 2,000 dollar gift that is for sure. wishing everyone the best. semper fi.
@darkdan3379 because taking on unnecessary debt is generally a dumb idea. You should never live in debt unless it's to buy an item with a higher return.
@@Wolfcamp555 perfect example of how Dave Ramsey miseducates people. Being debt free but working a minimum wage job is nothing to brag about. Use your credit and go fund a business or an investment opportunity. That’s the side of the equation that Ramsey doesn’t help his listeners figure out
We have a federal government that has spent like drunken sailors for decades now, and there's no way it's going to be paid back. They're continuing to ignore it, so I can't blame the average American if they have a party with those credit cards and then walk away. 🤣
Luke 19:13 “And He called His ten servants, and delivered them ten pounds, and said unto them, Occupy till I come.” Haggai 2:8 “The silver is mine, and the gold is mine, saith the LORD of hosts.”
"The future and success of America is not in this Constitution, but in the laws of God upon which this Constitution is founded." James Madison ---Author of The U.S. Constitution/U.S. Founder}
I use a cash back credit card and hold the cash back from Jan til Nov. I have a nice chunk since almost all of my spending is on this card. I have usually $450 to use for two children and one grand. Makes for nice, no-anxiety Christmas spending.
@ A Christmas Club Account is not to make money. You are saving to have money at Christmas. It’s sad as a retired member I make more money than I did working. But My investments are paying good. But to invest you have to do without to set at home or whatever you want too do as a retired person.
Thanks for the update, keep up the good work.Learned a lot from my market journey, especially the importance of living within one's means. With Mark Hutchison guidance, my nest egg has grown to a 7-figure sum. My advice - get an analyst for better financial trade decisions and peace of mind.
I have worked with him also for months now, reached out after reading more about His on the internet. He simplifies matters, whether it's a market surge or drop; his strategies continuously delivers
@@SimmonSquibb Over the years, I've been a part of numerous trading programs, sifting through a barrage of information. Yet, nothing has come close to the sheer clarity, depth, and precision of Mark Hutchison insights. It's akin to finding a diamond in a coal mine.
As an enthusiastic investor, I often consider the strategies and pathways that enable successful investors to accumulate wealth in the millions. While I have a substantial initial capital, I am unsure about the specific tactics or avenues that would enable me to achieve gains surpassing $400k, akin to those achieved by several others recently.
If you need advice, consider speaking with a financial expertise. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.
you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.
She's known as a 'Stacy Lynn Staples'. One of the finest portfolio managers in the field also widely recognized. Just research the name. You’d find necessary details to work with and set up an appointment.
My side family did that 20+ years ago… wife’s family refuses.. it’s not the money we can afford it, her sisters can’t … trading a gift card for a shitty gift or gift card is siimply a waste of everyone’s time
$460’ish per child? What age group??That’s literally only 4-8 small presents under the tree. I know this because I’m wrapping some right now. Kids will never remember high inflation. They will always remember a good or bad Xmas. Can’t put a price on memories!!! Now excuse me while I go take pictures of my feet to pay off credit card debt…..
He does not say don't buy a home . He says buy within you financial range. Yes he says to save up a big down payment but better yet if you save over time and pay cash. We'll id weather save and get a min or 20% down sp no PMI wasted money on that insurance. But buy when you can and not be paying rent for years trying to save up to buy a home. Rent money I feel is a waste,nothing to show for, no equity after long term renting. Buy soon as you can with at least 20% down altho PMI is far less than a rent payment. But everyone has to do what they feel is best for them. There is not one plan that fits every situation
Investing advice is not the best..just says oh pick the best low cost mutual fund.. Housing advice, depends where you are…if you already own a home and want to sell that with equity to move elsewhere, then 15 year mortgage makes sense As a new homebuyer, a 15 year mortgage is out of reach given the prices
why don't people save money through out the year for Christmas gifts like most people use to I still do it and I live off $700 a month of course everything is payed off zero debts
How does anybody spend that much money you must have it first or even have the credit I've never known anybody that had that kind of money you people must be rich
Then Americans cant be that broke,so they need to stop complaining,celebrate Jesus Christ our one and only Lord and Saviour 🙌 instead of spending like a fool .Amen and Amen 🙏
I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated.
As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience.
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
I'd rather live in a society where everyone has free healthcare, housing and food, than a society where three billionaire's own more wealth than 1/2 the nation.
🇩🇴🌹🍫☕ hola buenos días como estas todo ustedes desde San Felipe de puerto plata primera espalda de la restauración general gregorio Luperón machete carajo 🐻🇩🇴🌹🍫☕
Expect to pay more middle class people when Donny gets in to office. Donny ask to get rid of debt ceiling. Fox News you are so full of B.S anyways. Especially you Murdock jr
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
holidays ain’t about goin’ broke to impress-stick to your budget, handle your business, and don’t let the hype mess up your pockets.
A thoughtful gift, church, dinner with loved ones and my dog is how we do things. Merry Christmas everyone
@ Merry Christmas 🎄
Spending money like the government is stupid.
You just need to set up a toll booth on your street and get your neighbors to pay for your spending! 😂
@Duke_of_Prunes
Does not make sense?
Spending that amount on a Christmas gift per child is absolutely ridiculous!! People have forgotten the true meaning of Christmas. The best gifts as a child I remember and loved were hand crocheted mittens from my great grandmother, homemade patchwork quilt. The greatest gifts of all are health and family Spending time together.
Right we were happy with coloring books and crayons for the most part. As preteens my big gift one year was a camera, that was it. A guitar one year was on my list, a doll, doctor's kit, I bet my parents never spent over $50 for all of us kids ( 4) in the 70's. We all had bikes but they bought them used it was not a big ticket item under the tree. My goal this year was $25 or less per person for Christmas and same for birthdays.. Here is the question parents should be asking their kids right now "Do you remember what you got for Christmas last year"? guarantee they don't remember even one item. Anna In Ohio
Not going in debt for Christmas. Yeah, I use too, but I learned.
Same here!!
I am spending nothing. Won't get anything from my fractured family.
I'm spending ZERO!
No gifts for any of your family members?
@Andrew-pp2ql
I have a tiny family and we do not exchange gifts.
I love the deal I have with my partner. We each decide something we want for ourselves and we give each other the same amount of money. So it works out to just buying something we want for ourselves. I got a espresso machine I've wanted for a while and my partner got a gaming setup. It was a good way to work with the most important person to me to make sure we got each other something we actually wanted.
@@marievogt4705 that's incredibly sad
Grinch! 🙃
Not everyone. We pay our card off every month.
😂😂😂😂
Never carry a credit card debt.
Started a Christmas club with a portion of tax money. Added monthley. Spent $300.00. Each child two kids. Plus whoever I buy for. No Christmas Debt. Thankfully. Starting christmas club again already.
this is why my grandparents handed out fruit cakes at Christmas, they learned from the other guys mistakes, 70 percent of Christmas gifts are recycled or returned for the money anyway. I don't fall into that trap anymore it is madness. plus how do you think Jesus thinks about Christmas being celebrated this way when it is all about money and people suffering over Christmas debt. just eat good and be happy. life is good. if I still had young children sure I would get them a gift but it sure as hell would not be a 500 to 2,000 dollar gift that is for sure. wishing everyone the best. semper fi.
Spent less than $100 on each of my bunch. Cash only. No credit needed.
Kamala owes Santa 20 million dollars
She can’t suck her way out of that debt
False. More like a billion.
Anyone who takes on debt for Christmas spending in stupid.
How so?
@darkdan3379 because taking on unnecessary debt is generally a dumb idea. You should never live in debt unless it's to buy an item with a higher return.
@@darkdan3379just live within your means.
remember the Christmas club where you put money in through out the year for Christmas gifts
@@newmobile1455I think so. My bank might even still do that. I've never needed it though.
I put $300/month for the next Christmas. You are right Happiness doesn’t come from money! It’s the thought that counts!
Ive been debt free for ten years. I could live off a 10 dollar an hour job.
Where?
@darkdan3379 Texas
He not living off 10 dollars in Texas
@@Wolfcamp555 perfect example of how Dave Ramsey miseducates people. Being debt free but working a minimum wage job is nothing to brag about. Use your credit and go fund a business or an investment opportunity. That’s the side of the equation that Ramsey doesn’t help his listeners figure out
@@FocusedHands you're right, I'm retired. Another huge benefit of being debt free. I said I COULD live off of 10 dollars an hour.
Qvarden Token will make millionaires, after CEX listing it will blow up.
I invested in Qvarden Token and lost everything. They even took my dog!
All my CC debt is paid every month, and I never pay a dime in interest.
Shopped early, finished three weeks ahead of time, pluse all wrapped & all paid for.
Me too! 😊
Should have hedged this election on Qvarden Token 😂😂
We have a federal government that has spent like drunken sailors for decades now, and there's no way it's going to be paid back. They're continuing to ignore it, so I can't blame the average American if they have a party with those credit cards and then walk away. 🤣
Luke 19:13
“And He called His ten servants, and delivered them ten pounds, and said unto them, Occupy till I come.”
Haggai 2:8
“The silver is mine, and the gold is mine, saith the LORD of hosts.”
I don’t know who needs to hear this, but ebook titled The Elite Society's Money Manifestation might be the answer you’re looking for
Qvarden Token will go 100x after launch on Binance
The three major newspapers all said that Qvarden Token is the worst coin there is.
I will be SPENDING ZERO
"The future and success of America is not in this Constitution, but in the laws of God upon which this Constitution is founded."
James Madison ---Author of The U.S. Constitution/U.S. Founder}
I use a cash back credit card and hold the cash back from Jan til Nov. I have a nice chunk since almost all of my spending is on this card. I have usually $450 to use for two children and one grand. Makes for nice, no-anxiety Christmas spending.
No way! Christmas budgets must be planned in advance. Gifts can be thoughtful and inexpensive.
I am retired since 2018. But I liked the Christmas Club account. Took $20. From every check until December then I got a nice check for Christmas.
At near zero interest rates did you make much?
@ A Christmas Club Account is not to make money. You are saving to have money at Christmas. It’s sad as a retired member I make more money than I did working. But My investments are paying good. But to invest you have to do without to set at home or whatever you want too do as a retired person.
My family do gag gifts for Christmas every year. This year my gag gift is a box of Tide laundry detergent.
No one has the money to buy Christmas ! A Gift from God has become a money spending event ? America must get back to God !
Qvarden Token is going to absolutely blow up
My total Christmas expenditures: 20 bucks for a beef tenderloin and maybe $10 for ingredients for Christmas pudding.
Thanks for the update, keep up the good work.Learned a lot from my market journey, especially the importance of living within one's means. With Mark Hutchison guidance, my nest egg has grown to a 7-figure sum. My advice - get an analyst for better financial trade decisions and peace of mind.
I have worked with him also for months now, reached out after reading more about His on the internet. He simplifies matters, whether it's a market surge or drop; his strategies continuously delivers
@@SimmonSquibb Over the years, I've been a part of numerous trading programs, sifting through a barrage of information. Yet, nothing has come close to the sheer clarity, depth, and precision of Mark Hutchison insights. It's akin to finding a diamond in a coal mine.
@@rowdiehowie This is helpful, thanks ....gotta message Him right away.
@@SimmonSquibb Please how do I reach out to this Coach Mark y'all speak highly of??
@@Mohed-u5o It's below; just put the numbers together 0:01
Stop living beyond your means.
" It is impossible to rightly govern a nation without God and the Bible."
[US founder, George Washington]
Go to church
@@Kimm.J The 501 c3 churches are under judgment.
@@Kimm.J The so called elite who actually run 501 c3 churches deleted the reply to you.
Really and of separation of Church and State?
@@darkdan3379 The churches got hijacked by the state {501 c3} however...Where are you getting separation of church and state from?
No C debt here!
I only buy gifts for my niece and nephews. Thank goodness. Keeps it simple.
The one thing our politicians in Americans love to do is going to debt keep in mind I'm an American but at least I'm debt free
As an enthusiastic investor, I often consider the strategies and pathways that enable successful investors to accumulate wealth in the millions. While I have a substantial initial capital, I am unsure about the specific tactics or avenues that would enable me to achieve gains surpassing $400k, akin to those achieved by several others recently.
If you need advice, consider speaking with a financial expertise. Don't get me wrong, you can do it on your own, but financial advisors have a lot more knowledge and expertise in this area.
you are completely right, Advisors have information and paths that are not disclosed to the public.. I profited £560k in 2022 under the tutelage of my Fiduciary-counselor. Am I selling? Absolutely not.. I am going to sit back and observe how this all plays out.
That's impressive! I could really use the expertise of this manager for my dwindling portfolio. Who’s the professional guiding you?
She's known as a 'Stacy Lynn Staples'. One of the finest portfolio managers in the field also widely recognized. Just research the name. You’d find necessary details to work with and set up an appointment.
Thank you for sharing. I just scheduled a phone call with her. She seems proficient considering her résumé.
Cost of attending a carol service: $0 - and that's the best value-for-money you'll find.
Merry Christmas and a Happy New Year to you all. 🎄
What is a "carol service"? There is no "carol service" in the New Testament.
@periphron What point are you trying to make?
I don't care if I get a gift or not ! You can give gifts anytime of the year!
I used my CC for Christmas this year and it will be paid off when the bill comes in. I refuse to pay interest ever.
My dad always taught us to never spend all you make..
it's really crazy how nobody is talking about the book the hidden path to manifesting financial power
Your fake book sucks .
That's why
very good book
Cancel xmas. Give Jesus a different holiday if you like.
We've had a longstanding rule in our family: no gifts for anyone over 18.
My side family did that 20+ years ago… wife’s family refuses.. it’s not the money we can afford it, her sisters can’t … trading a gift card for a shitty gift or gift card is siimply a waste of everyone’s time
@@g.t.richardson6311 What is a "side" family?
$60 in gifts for my wife. Scaled back Christmas dinner. The plastic Chinese feeling in the stores don't appeal to me. It's so fake.
America needs Trump 's team to bring the US debt under control.
what kind of debt are we talking about?
Thats crazy
Good thing I'm already broke. Ive got $40 in the bank and thats half the water bill due by in the morning.
We have a Christmas club we don't worry
There's a lot of people out here I know it's not able to buy presents this year
Somebody has my credit card debt…never will have it again
Secret Santa = 1 gift
$460’ish per child? What age group??That’s literally only 4-8 small presents under the tree. I know this because I’m wrapping some right now. Kids will never remember high inflation. They will always remember a good or bad Xmas. Can’t put a price on memories!!! Now excuse me while I go take pictures of my feet to pay off credit card debt…..
Good old Dave... Most of what he says is good... But I'd skip his investing advice and house buying advice...
Ive thought and said the exact same thing.
He does not say don't buy a home . He says buy within you financial range. Yes he says to save up a big down payment but better yet if you save over time and pay cash. We'll id weather save and get a min or 20% down sp no PMI wasted money on that insurance. But buy when you can and not be paying rent for years trying to save up to buy a home. Rent money I feel is a waste,nothing to show for, no equity after long term renting. Buy soon as you can with at least 20% down altho PMI is far less than a rent payment. But everyone has to do what they feel is best for them. There is not one plan that fits every situation
Investing advice is not the best..just says oh pick the best low cost mutual fund..
Housing advice, depends where you are…if you already own a home and want to sell that with equity to move elsewhere, then 15 year mortgage makes sense
As a new homebuyer, a 15 year mortgage is out of reach given the prices
My Christmas budget = $0.
That's a nice Suit on Dave 😊He looks happy and healthy.
why don't people save money through out the year for Christmas gifts like most people use to I still do it and I live off $700 a month of course everything is payed off zero debts
I'm going backpacking myself for 7 days. On my way now merry Christmas everyone ❤️
Unless people sell their Qvarden Token before launch, this is going to sell out instantly after it reaches mainstream media
So SNAFU ! Say it ain't so , Joe ❓. hahahaha hahahaha experts, everybody has one .
I don’t spend that on my kids! I guess we are poor! 😂 $100/kid is what we do!
😅 " Pięciu Piastów " 😅
How does anybody spend that much money you must have it first or even have the credit I've never known anybody that had that kind of money you people must be rich
U.S. Congress proposes ‘Shipbuilding Industry Strengthening Act’… “Trump inquired about collaboration with Korea a month ago
I agree he looks like Santa
Highly likely that this new Qvarden Token will probably have a supply shock after launch
$1500 is mind blowing ? It is a drop in the bucket especially for Mr. Doomsday, Dave Ramsey.
...all I want for Christmas is a hummer from a girl with no front teeth...
Coinbase's ethereum address is stacking up Qvarden fast today 😂 the pump on this coin is going to be wild
Ramsay’s acolytes are doing Well ! 👍
Not by me.
What the F you need to speed less and quit buying love that all it is
😅 " Te " 😅 " guru " 😅 " wiesz jaka " waluta " teraz " będzie " w " Syrii " ? 😅
Thank you Lord Jesus for the gift of life and blessings to me and my family $14,120.47 weekly profit Our lord Jesus have lifted up my Life!!!🙏❤️❤️
I'm 37 and have been looking for ways to be successful, please how??
Sure, the investment-advisor that guides me is..
Mrs Joyce kim
Same i met Joyce kim last year for the first time at a conference in Wilshire after then my Life has changed for good.God bless Joyce kim
Her services is the best, I got a brand new Lambo last week and paid off my mortgage loan thanks to her wonderful services!
Make Christmas about Jesus. It’s a free gift to all for eternal life with Him in heaven.
Then Americans cant be that broke,so they need to stop complaining,celebrate Jesus Christ our one and only Lord and Saviour 🙌 instead of spending like a fool .Amen and Amen 🙏
I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated.
As a newbie investor, it’s essential for you to have a mentor to keep you accountable.
Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
I don't really blame people who panic. Lack of
information can be a big hurdle. I've been
making more than $200k passively by just
investing through an advisor, and I don't have
to do much work. Inflation or no inflation, my
finances remain secure. So I really don't blame
people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience.
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
Makes sense that Trump would just back another upcoming altcoin instead of Bitcoin for more profits
He wants to make it where everyone has an opportunity to make easy money & not let Bitcoin be the monopoly
Keeps
People
Working❤
Wonder how Trump administration is going to be pumping Qvarden Token
Donald Trump is going to shill Qvarden Token hard after the inaguration 😂
I'd rather live in a society where everyone has free healthcare, housing and food, than a society where three billionaire's own more wealth than 1/2 the nation.
You will be paying crazy taxes !!! Thing about where all the money would have to come from to provide the "free" stuff
@@tomkroon54
You pay billionaire's now to own you.
Where’s the place that has free healthcare and housing/food paid for? (Mom kicked you out of her basement? )
Okay. Be a slave and you'll be well provided for
You folks pay the elite to spend your money for you... and funniest thing, they never give you any of it.
Sounds like you pay them to own you .
Dave, good at helping you save nickels and dimes. Not so good at helping his followers, retain wealth.
Bah humbug.
🇩🇴🌹🍫☕ hola buenos días como estas todo ustedes desde San Felipe de puerto plata primera espalda de la restauración general gregorio Luperón machete carajo 🐻🇩🇴🌹🍫☕
Trump is expected to mention Qvarden Token this week and the ICO is already almost sold out
Electronic currency is human slavery...
@@darkdan3379
Yep
Leaks coming out about Trump working together with shareholders involved with Qvarden Token
Qvarden Token has two of the largest Tesla shareholders already; most likely something is coming
With Elon and Trump now working with Qvarden Token is going to absolutely blow up
X and Qvarden Token are going to be merged. Easiest money in my life
Highly likely there will be partnerships between X or Tesla with Qvarden Token
Expect to pay more middle class people when Donny gets in to office. Donny ask to get rid of debt ceiling. Fox News you are so full of B.S anyways. Especially you Murdock jr
Especially doocy is so full of B.S too.
If Trump puts at least $200,000 in Qvarden, I am going all in
Coinbase bought another 20 million Qvarden tokens
Qvarden Token is easily going to hit $1 this month
Qvarden Token is going to absolutely blow up
Trump is expected to mention Qvarden Token this week and the ICO is already almost sold out
Qvarden Token will make millionaires, after CEX listing it will blow up.
Qvarden Token has two of the largest Tesla shareholders already; most likely something is coming
Should have hedged this election on Qvarden Token 😂😂