I am not exactly what you'd call a procrastinator, but I'm also not one of those super-organized people who start their Christmas shopping in August (or right after the previous Christmas when all the Christmas stuff is on sale; I just don't have that kind of energy). I'm usually right in the middle there and so have figured out mostly what I'm
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Having said all that I am super impressed with what y'all have done with your finances -- that is so great, to work that out together and succeed!!
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I agree about Christmas though. I LIKE the busy feeling and the entire process of buying/wrapping/giving gifts is ritualistic for me. Heck I even wrapped my boyfriend's gifts and the gifts one of my bosses bought for her daughter. I LOVE it, and the bit that I love is putting on Christmas music/movies, laying everything out in the floor, grabbing the coordinated wrapping paper/ribbons/presents and going to town for a couple of hours. It's one of my very favorite parts. I don't think I'd like spreading it out.
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