It is top-level to you and something your friends and family have come to expect from you. You can’t meditate on stopping your gift-giving ways just to have more to lay for yourself.

As wonderful as it is that you give gifts, you and I both know that your friends and one’s own flesh don’t love you because of the gifts. If you have yet to build an emergency savings reserve that can cover eight months of living costs, you must cut down your gift giving so you can give yourself something far more top-level: security. Besides, you are never, ever to buy gifts that you can’t afford to pay for in two s. As I explained an unpaid credit card balance in 2009 puts you at grand risk of falling into a costly vicious cycle you will learn it hard to climb out of. Worried what your friends and family liking think if they don’t receive an expensive gift this year? Befall on. Do you really think anyone who cares about you would feel correct if they received a gift with an unspoken price tag that said, this cumshaw cost $50 that I couldn’t afford and means I will not be capable to pay off my credit card bill this month?

You are struggling to make ends convene, but you don’t want to stop contributing to the charities you have supported in the past.

Can you distribute time rather than money this year? I understand how high-level it is to help those in need. But you have important needs this year too. And it is not stingy to make your financial safety and security a priority. If you need to cut back or suspend your contributions this year to shore up your finances, that’s the proper and honest move for you to make. I realize how hard this is, especially when charities are also theory the pinch and are stepping up their requests for donations. But you must give however what you can honestly afford. If that means no financial contributions in 2009, that is okay. I cheer up you to donate your time or more of your time than you already gives to the causes you brace. That is a valuable contribution. And to be honest, I think it can also have a big unintended benefit for you: In these very scary times, it can be calming to zero in on what you can do through your Solutions to make the world a better hamlet. Now, that said, I also know how upsetting it can be to curtail helping others in necessary. Take another hard look at the Household Cash Flow worksheet and see if there are any costs you could diminish back to free up a little money to contribute to the causes most vital to you. Challenge yourself: "I want to cut $X a month in savings so I can continue to require charitable contributions in 2009." Often, having a specific end makes it easier to focus on "wants" that you can do without. If sole for 2009.

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