Our credit card for this past December was $3,400! 

The amount $3,400 isn’t the largest credit card bill we’ve ever received, but it is still a lot for me!  In fact, if I received this last January, I’d be sweating until I got the year’s tax refund.

This year is different though!  This year I have plenty of money in my checking account to cover the December expenses and still have a buffer left over since we no longer have a mortgage payment to make every month.  While I’m not jumping up and down about paying that $3,400, but it’s just a normal credit card bill like all of the others!

In the past since I never carried a balance, I always dreaded receiving this particular present-filled bill.  We buy presents for 4 birthdays and Christmas, not to mention the Christmas traditions (Christmas Tree, Christmas Dinner Out) that we follow every year.

It’s great that I can now more easily afford the December bills now and in the future, but to just accept that and go with the status quo doesn’t seem like a good long term answer.  So instead, sometime this year I have a loose goal of buying stocks that provide a dividend so I can buy Christmas presents with the dividend yield, or at least us the dividend payment to help with the cost!

-MR

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