1. Build traditions not wow factor
2. Home made decorations mean the most
   
3. Books make a great gift
   
4. Presence is the best present
   
5. At least one gift has to be hand made or second hand
   
6. Gifts flow downward in generations
   
7. Plan for at least one outdoor activity
   
8. Enjoy a free local Christmas event
   
9. Gather around the radio for Christmas stories
   
10. Make helping somebody less fortunate part of your
11. celebration

You will know you are doing it right if with every passing Christmas you have yet another remember when story

The result will be a more profound experience and one that will leave you better than before.

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Living on 50% of your Income:

Why:
1. Early financial independence equals control
2. Eliminate risk from you life

How:
1. Move in this direction – not too slowly
2. Remove temptation
3. Control of your environment
4. Don’t fall victim to the gold fish effect
5. The double edge sword of living on 50% of your income
6. If you believe you can’t then you are correct
7. Inaction is in it’s self an action
8. If you are in your 50’s you have already done this (25 years ago)

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5 Reasons Why People Get Into Debt

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8 Tips to Help You Make a Major Financial Decision

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7 Steps To Designing Your Financial Life

Mr. Money Mustache

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5 things to consider when leaving home:

1. Buy used home furnishings.
2. Location, location, location.
3. Start out life with a budget.
4. Choose who you live with wisely.
5. Build an emergency fund.

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Some Advice for When You’re Losing Motivation for Your Financial Plans

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10 Reasons Why Some People Will Never Succeed

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Financial Success Isn’t ‘Impossible’

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10 Practical Ways to Drastically Improve Your Time Management Skills

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