Comments on: Have a Debt Free Christmas

By: Surayah Davis

Surayah Davis — Fri, 25 Dec 2009 15:07:52 +0000

I totally agree. Being debt-free(and REMAINING debt-free after the holidays are over) is absolutely the best present you can give yourself & your family! .-= Surayah Davis´s last blog ..Who's Business Are You Minding? =-.

By: Kevin @ Bankruptcy Alternatives

Kevin @ Bankruptcy Alternatives — Tue, 16 Dec 2008 15:20:21 +0000

Emily,

With due respect, I am yet to find someone who can use credit cards wisely. Needs a lot of discipline. This is what I have done. Maybe this can help others. I have around 20 credit cards. I thought of canceling them first, but I was suggested that it would not be good for my credit scores, so I cut all of them into half and kept them at a safe place. Now I really don’t need to be disciplined.

By: Emily

Emily — Tue, 16 Dec 2008 14:34:37 +0000

Kevin, I personally agree with you and only use cash or debit (don’t even have a credit card) but also know that there are people who can actually use credit wisely and it doesn’t automatically mean paying interest or adding to debt, unlike myself

By: Kevin @ Bankruptcy Alternatives

Kevin @ Bankruptcy Alternatives — Tue, 16 Dec 2008 14:27:01 +0000

Hello everyone,

A wonderful guide. Though I would like to debate 1 point.
I think it is better to spend only Cash or through Debit cards.
Spending through Credit cards really adds up to the problem.
As,

1. You end up spending more.
2. You need to pay interest.

I prefer cash, dont know about others.

By: Sites To See for December 14 — Laurel Plum Online

Sites To See for December 14 — Laurel Plum Online — Sat, 13 Dec 2008 08:24:07 +0000

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By: kim

kim — Fri, 12 Dec 2008 02:49:16 +0000

This is my first debt free year in a long time...so exciting! kim´s last blog post..Wreath Making

By: Liz

Liz — Wed, 10 Dec 2008 21:25:52 +0000

Fabulous advice! Liz´s last blog post..Sugar Cookies and a Nair-plosion

By: Rebekah at EAD

Rebekah at EAD — Wed, 10 Dec 2008 17:27:59 +0000

We set a limit of $140. $50 each for our personal gifts to each other (with the stipulation that all gifts had to be handmade), and $40 for decor (a small tree and candle). I have never felt more excited about Christmas! (Followed your comment on Paid Twice) Rebekah at EAD´s last blog post..Recipe: Hot Cocoa and Marshmallows

By: Denise

Denise — Wed, 10 Dec 2008 02:58:32 +0000

too funny - I just posted about the same thing. We are not debt free either but have used only cash that I had in savings for this Christmas. It feels so much better than using credit!! Now, that makes for a Merry Christmas : ) Denise´s last blog post..it takes me a while

By: melissa @ the inspired room

melissa @ the inspired room — Wed, 10 Dec 2008 00:16:00 +0000

Great tips as always Em! Thanks for putting them together. Happy saving and a wonderfully frugal holiday to all! Melissa melissa @ the inspired room´s last blog post..Christmas Decorating: Why Didn’t I Think of That?