photo credit: thisisbossi
This holiday season is my 5th since becoming debt free. It hasn’t always been easy not to get caught up in the excitement and the chaos and spend more than I should this time of year. I would like to share some ideas for avoiding debt this Christmas.
- Set a budget you can afford – it doesn’t matter if you use cash, debit or credit – the point is that you look at your means and decide what your family can afford and stick to it.
- Prioritize – Look at what is important to you and what will really make this season joyful for you and your family and do those things. You can’t be everything to everyone, so just do what you can and enjoy it.
- Get creative – from decorating to gift giving, wrapping, baking, and sending cards, think outside the box and see what you can make instead of buy. Remember the true spirit of the season isn’t found in a pile of receipts.
- Turn off the TV! – I can’t tell you how frustrated I get at ads for stores that tell you to shop there because their stuff is so cheap, you can buy MORE stuff for under the tree!!
- Keep it simple – don’t buy a bunch of plastic junk just so there is more stuff for your kids or grandkids to open. Give gifts that are special. We are not born to think that Christmas means being showered with too much junk. We learn it. Kids will think a few nice gifts are wonderful under a little Charlie Brown Christmas tree if that’s all they know and they feel the love from family. Love isn’t found or shown in wrapped boxes.
- Here are some links for homemade and simple holiday ideas that will help you have a debt-free Christmas:
This one is a good reminder about the expectations we teach and learn about Christmas:
I hope you have a very merry, love-filled Christmas that doesn’t result in a stack of bills arriving in January. THAT sounds like a Merry Christmas to me.