Talked to the in-laws today and they do not want any of what we were getting them for Christmas. They INSIST. So I think I can adjust my budget downward to $500 (original $600). & I really wouldn't be surprised if it ends up being lower. But gives me plenty of wiggle room.

The main part of the gift was going to be a donation in their name anyway, which they do not want at all. I'll probably make the donation anyway. I might donate whatever we come under the original $600 number. We'll just have to wait and see.

So Christmas plans are under way.

I wanted to do all the purchases this month so I will have dh pick up the kids' presents and I will have to grab the stocking stuffers.

Leaves December for donations and checks, and such. Buying a zoo membership for the in-laws too. (They said they'll take that - LOL - can take the grandkids anytime and get discounts and other area zoos).

We'll also still get them a calendar of the kids - they love that. Will at least be a surprise.

MIL wans to be helpful by picking up a G.C. for me for great-grandma. It's not particularly helpful since I rather put it on the card and pay it in January. I don't even have the cash to write a check this month. She'll just have to wait. Cash really screws up my credit card budget mentality. Yeesh. On the flip side, our little talk went a long way to shoring up Christmas details. IT will be a simple year. I like it simple!!