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	<title>Comments on: 12 Million American&#8217;s Are STILL Paying Off Last Year&#8217;s Christmas!</title>
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	<link>http://allfinancialmatters.com/2008/11/10/12-million-americans-are-still-paying-off-last-years-christmas/</link>
	<description>A personal finance blog dedicated to discussing such topics as budgeting, asset allocation, 401K, IRA, cash flow, insurance, financial planning, portfolio management, and other areas in personal finance.</description>
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		<title>By: Jobless Trevor</title>
		<link>http://allfinancialmatters.com/2008/11/10/12-million-americans-are-still-paying-off-last-years-christmas/comment-page-1/#comment-378015</link>
		<dc:creator>Jobless Trevor</dc:creator>
		<pubDate>Tue, 11 Nov 2008 15:39:30 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2949#comment-378015</guid>
		<description>We started our Christmas budget months ago! And we&#039;re glad too; I honestly can&#039;t imagine still paying off last year&#039;s Christmas! Unbelievable!</description>
		<content:encoded><![CDATA[<p>We started our Christmas budget months ago! And we&#8217;re glad too; I honestly can&#8217;t imagine still paying off last year&#8217;s Christmas! Unbelievable!</p>
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		<title>By: headknocker</title>
		<link>http://allfinancialmatters.com/2008/11/10/12-million-americans-are-still-paying-off-last-years-christmas/comment-page-1/#comment-377857</link>
		<dc:creator>headknocker</dc:creator>
		<pubDate>Mon, 10 Nov 2008 23:58:08 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2949#comment-377857</guid>
		<description>We budget a little each month for Christmas so that when we start our Christmas shopping we can create our list and expected amount for each person.  No guilt for spending too much and no need to use credit.</description>
		<content:encoded><![CDATA[<p>We budget a little each month for Christmas so that when we start our Christmas shopping we can create our list and expected amount for each person.  No guilt for spending too much and no need to use credit.</p>
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		<title>By: poor boomer</title>
		<link>http://allfinancialmatters.com/2008/11/10/12-million-americans-are-still-paying-off-last-years-christmas/comment-page-1/#comment-377830</link>
		<dc:creator>poor boomer</dc:creator>
		<pubDate>Mon, 10 Nov 2008 22:08:42 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2949#comment-377830</guid>
		<description>Aw, that&#039;s nothing.  I&#039;m still paying off student loans from 30 years ago.</description>
		<content:encoded><![CDATA[<p>Aw, that&#8217;s nothing.  I&#8217;m still paying off student loans from 30 years ago.</p>
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		<title>By: JLP</title>
		<link>http://allfinancialmatters.com/2008/11/10/12-million-americans-are-still-paying-off-last-years-christmas/comment-page-1/#comment-377793</link>
		<dc:creator>JLP</dc:creator>
		<pubDate>Mon, 10 Nov 2008 20:01:45 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2949#comment-377793</guid>
		<description>Eden,

Okay, that makes sense.  I can see your point.  I know my MIL buys a &quot;gift&quot; for her dog and it always makes me chuckle.</description>
		<content:encoded><![CDATA[<p>Eden,</p>
<p>Okay, that makes sense.  I can see your point.  I know my MIL buys a &#8220;gift&#8221; for her dog and it always makes me chuckle.</p>
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		<title>By: eden</title>
		<link>http://allfinancialmatters.com/2008/11/10/12-million-americans-are-still-paying-off-last-years-christmas/comment-page-1/#comment-377792</link>
		<dc:creator>eden</dc:creator>
		<pubDate>Mon, 10 Nov 2008 19:55:55 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2949#comment-377792</guid>
		<description>Well, I buy &#039;gifts&#039; for our pets. It&#039;s all stuff we&#039;d need to buy anyway - ex. restocking treats, new scratchers for the cats, replacing toys that are now worn out, etc. We usually get the dogs a special treat as well ($5 total).  I wrap it up b/c there&#039;s only the two of us, so it&#039;s nice to have a few more presents under the tree.</description>
		<content:encoded><![CDATA[<p>Well, I buy &#8216;gifts&#8217; for our pets. It&#8217;s all stuff we&#8217;d need to buy anyway &#8211; ex. restocking treats, new scratchers for the cats, replacing toys that are now worn out, etc. We usually get the dogs a special treat as well ($5 total).  I wrap it up b/c there&#8217;s only the two of us, so it&#8217;s nice to have a few more presents under the tree.</p>
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		<title>By: Aya @ Thrive</title>
		<link>http://allfinancialmatters.com/2008/11/10/12-million-americans-are-still-paying-off-last-years-christmas/comment-page-1/#comment-377790</link>
		<dc:creator>Aya @ Thrive</dc:creator>
		<pubDate>Mon, 10 Nov 2008 19:52:05 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=2949#comment-377790</guid>
		<description>I don&#039;t really agree with the &quot;streamline gift wish lists&quot; tip. At times like these the only reason why there should be a list, is to decide on the one thing that should be bought. Getting everything on the list is a luxury these days! Parents can teach their kids about budgeting and the tough times by working with them with their wish lists and having them decide on only one thing.

The thing about pet gits, yes, it seems ridiculous to some. Yet, I think we have to consider families out there that don&#039;t have children. Pets, to these people, are their children and it makes sense for them to be buying them gifts. Buying $1000 diamond studded collars on the other hand, is another story.</description>
		<content:encoded><![CDATA[<p>I don&#8217;t really agree with the &#8220;streamline gift wish lists&#8221; tip. At times like these the only reason why there should be a list, is to decide on the one thing that should be bought. Getting everything on the list is a luxury these days! Parents can teach their kids about budgeting and the tough times by working with them with their wish lists and having them decide on only one thing.</p>
<p>The thing about pet gits, yes, it seems ridiculous to some. Yet, I think we have to consider families out there that don&#8217;t have children. Pets, to these people, are their children and it makes sense for them to be buying them gifts. Buying $1000 diamond studded collars on the other hand, is another story.</p>
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