Let me share with you what is pictured below:
2 rolls of wrapping paper
Ghiradelli peppermint bark
2 matching Carter's outfits (newborn and 18 month sizes)
Soft slipper socks
3 pairs of Dockers dress socks
11 pairs of Hanes men's athletic crew socks
A white Sonoma zip up sweater
A Christmas tree skirt.
All of this totaled about $124 and we saved about $135. ... Sounds great, right?
But we spent nothing.
How did we do this? Well, we worked all year for it. You see, we're those crazy people that take serious advantage of reward points. Through our bank, every time we run a purchase as credit rather than debit, we got points. Over the course of about 6 months we wracked up enough points to earn $150 in visa debit gift cards. But that's not all. If ever we need to use a credit card (online purchases, Sam's Club, etc.) we always used our Discover card, earning us 1 $50 gift card to JCPenny and 1 $50 gift card to Kohls.
But running your debit card as credit costs you nothing at all, ever. And if you pay off your balance at at the end of every billing cycle, as awesome people do, then you don't even pay any interest on your purchases with your credit (i.e. Discover) card.
The best part about this is, we are so broke. Like, really broke. I mean, we're surviving just fine, and happily at that. We can pay our mortgage, we have money to eat (as in money to buy food, I don't eat nickles or anything), we have clothes... we just seriously didn't have extra money for Christmas after tuition, with Ted working part time. So our plan worked out perfectly.
We're more than half way done with shopping for each other and all Gwenna's gifts and our extended family gifts were purchased ages ago, before Ted started working part time (I'm a great planner, what can I say?). The only drawback is that I know everything I'm getting for Christmas from Ted and vice versa. The good part is I already tried on that sweater and it fits.
Now onto the another free thing.
And it was free, so it follows the theme of the post. Thanks, Mama.
Man, I am seriously ripping someone off. And if it's my bank or Discover card, I so don't even care. Hopefully it's not my mom...