You and I, at some point, have been the recipient or the author of an annual tradition—the family “Year In Review” Christmas letter. You know, those photocopied messages tucked in a Christmas card highlighting the year’s high points–all the vacations taken, what extracurricular activities or academics the kids excelled in or the addition of a new family pet. The infamous holiday letter is a fun tradition for those who write one and, yes, those of us that know one will be in the mail from you.
This year, I am starting a new letter tradition. I will be writing one…to myself…and about my financial choices throughout 2012. No, I am not tipping back too much eggnog while writing this. Hear me out
Not every purchase, deposit or debt will be crammed into the letter. I will keep it light and concentrate on the good financial choices made. Bragging will be acceptable here. The low points, such as spending $75 over my allotted shoe budget, is a negative that will get a bit of a positive spin. I’m not sugar coating the spending snafus but making light of them. What were impulse buys, which purchases can I justify and did I contribute enough to savings? Seeing my financial habits written out this way may help me in 2013 to adjust my spending and saving budgets. Let’s try writing this letter together. I don’t think I’ll send it in a card to myself, but you can if that will bring a smile.
Read about the Unison Family “Year In Review” in our upcoming InUnison newsletter. Until then, enjoy reading and writing those Christmas letters. Merry Christmas!