My philosophy on Christmas and gift-giving is one that fits the true meaning of the holiday. If you're sick of consumerism, it might be the one for you!

My Philosophy on Christmas & Gift-Giving

My philosophy on Christmas and gift-giving is one that fits the true meaning of the holiday. If you're sick of consumerism, it might be the one for you!Christmas is near, and although I’ve shared my thoughts on the holiday and gift-giving on other sites, I haven’t really shared them here.

I wouldn’t consider myself a grinch, but I don’t enjoy Christmas for what it’s become. People are obsessed with buying the best presents and tend to forget why they’re giving them in the first place.

It’s sad that consumerism has taken most of the meaning away from holidays like Thanksgiving and Christmas. I was over it the second I heard a radio advertisement refer to it as a “Thanksavings sale.” Please.

As a result, I’ve found myself pushing back against this idea that the holidays need to revolve around shopping and spending and possibly going into debt.

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Most people have a loosely defined money management system, but having a clear system in place can give you more confidence and less anxiety around money.

The Benefits of Creating a Money Management System

Most people have a loosely defined money management system, but having a clear system in place can give you more confidence and less anxiety around money.I don’t like budgeting, as evidenced by the facts listed out in this post.

I spend my money based on my values, and I save the rest.

This technically works because saving money is second nature to me. I question all of my purchases automatically.

It might sound crazy, but hey, that’s just how I function.

Because of that, I have a somewhat loose hold on my money management system…actually, I don’t really have a system.

And that can be problematic for a variety of reasons.

Yes, spending according to my values has been helpful for me, and I’ve still been saving money as I always do, but I wasn’t aware of how much…and that led to doing nothing with it.

“Okay, you still have a bunch of money saved up, why is that bad?”

I’ll tell you.

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There are a lot of pros and cons to homeownership that people don't think about before buying. A house is a huge purchase - don't make it blindly.

The Pros & Cons of Owning a House (From a Renter’s Perspective)

There are a lot of pros and cons to homeownership that people don't think about before buying. A house is a huge purchase - don't make it blindly.Owning a house as a primary residence has never, ever been part of my plans.

I’ve been perfectly fine with the idea of renting ever since I moved out of my parent’s house.

However, my boyfriend owns a house (he purchased it before we were dating), and I moved in with him after I left Texas since it made the most sense all-around.

A number of months have passed, so I figured now would be a good time to sum up the pros and cons of “owning” a house…from the perspective of someone who would rather be renting.

(So no, I don’t technically own the house, but I do pay rent, and I have purchased/split the cost of furniture and whatnot. My boyfriend insists it’s “our” house, so there you go.)

I find that a lot of people make it their “plan” to become a homeowner after settling down because it’s part of the classic American dream. It’s what we’ve been told and taught to do after graduating and getting full-time jobs.

However, I don’t think it’s a good idea to do something “just because” it’s what everyone else has been doing for years. I always challenge the status quo – especially when it comes to huge purchases – because I want to stick to my values, not society’s values.

My thoughts? I firmly believe a house isn’t an investment, unless, of course, you buy it with the goal of making it a rental property.

A house is also likely the biggest purchase you’ll ever make. Why go into that purchase blindly?

Here are some of my unconventional thoughts on the subject (in slight rant form) to hopefully shed some light on homeownership for those who are thinking about it.

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