To pull off an all-cash Christmas in the face of a credit-aggressive retail industry will be like holding back the sea unless you arm yourself with a very important tool.



You won’t have to run out and buy this tool because I am absolutely sure you have it already. And you won’t have to go on a whole-house search to find it either. This all-important tool is as close to a magic wand as you will ever get and as powerful as you choose for it to be. It is your attitude.

You can choose a joyful, expectant, can-do attitude with bold determination—an attitude that says, “No matter what, I am not going to spend money I do not have to pay for Christmas. Period.” With that kind of attitude, even the powerful consumer credit and retail industries will be no match for you. You will prevail.

Here are nine simple ideas to get your attitude revved up and your determination switched into high gear!

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