Credit and Debt

How to Do Christmas Without Debt—Plus a GIVEAWAY!

If you are, or ever have been plagued by consumer debt, I can nearly guarantee expenses related to Christmas have contributed greatly to that miserable situation. You know I’m right and unless we do something to stop that pattern, things are about to get much worse for you. Christmas is right around the corner.

Debt and Holiday

The problem is procrastination. Face it, when it comes to Christmas, the longer you wait, the more you’ll spend. The opposite is also true. The sooner you get started, the less you’ll spend.

There are simple things you can do to stop procrastinating.

Get started. Do something to get moving. Once you are in motion, it will be easier to keep going.

Write it down. Reduce your plans to paper. Seeing things in black and white eliminates the unknown and provides a realistic playing field. Set reasonable limits both in time and in money.

Work with the time you have. Make a simple time line, then break the project down into small, manageable parts. Even five minutes is enough time to get something done when you have a plan.

Set a series of small deadlines. As an example, give yourself a date one week from today to have your gift list written. Share your deadlines with someone who will keep you accountable.

Find the simpler way. To minimize the powerful emotions of the season, determine ways you can reasonably scale back and simplify. Make room in your holiday plans for relaxation and enjoyment.

Be realistic. A big part of the problem is that the December holidays aren’t just about gifts. There are decorations, holiday clothes, parties and trips, special concerts and plays, postage for cards and parcels, and, of course, all that food. The obvious solution is not to spend a lot of money on any of these things. Think about alternative ways to make the holidays happy.

Any time of the year is the best time of the year to start thinking about the most wonderful time of the year. The pressure is off, so you can think clearly. A stress-free Christmas is likely the very best gift you can give yourself and your family.

If you are really serious about an all-cash Christmas this year, you need specific ideas, tips, tricks and direction. No matter how much cash you’ll  have to spend Christmas (even if you’re sure it’s zip, nothing … nada!), I can show you how you can still give gifts—wonderful gifts that cost nothing for you to give. It’s all in my book Debt-Proof Your Christmas; for Kindle the exact same book has a slightly different title: The Affordable Christmas.

This book is packed tighter than Santa’s sleigh with everything I know about how to stay out of debt without sacrificing the joy of Christmas. Debt-free holidays are the best holidays of all! My publisher and I recently updated this book to make sure all resources and information are current.

[callout]I have two copies of Debt-Proof Your Christmas to give away! To enter simply leave a comment here and tell me how you believe you can benefit from this book and how you plan to have a debt-free and meaningful holiday![/callout]
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  1. sondra says:

    Want to really make our focus on the birth of Jesus Christ. Keeping it manageable and simple will help our family to do that.

    Reply
  2. Pam says:

    My newly wed husband and I are saving for both an emergency fund and a house. We want to save as much money as possible during the holidays but don’t want to skimp on the kids in our family. Having a book to map out our plan will solidfy our savings plan and keep us on track for our savings.

    Reply
  3. Carlene Donato says:

    I have a Christmas Club account with my credit union and I set aside the money every month for my Christmas spending; but I’d like to do better than that. Thank you Mary for all you do!

    Reply
  4. Angie Wallace says:

    My main reason for getting this book is to make Christmas more of ‘The Reason for the Season’ and leave the stress alone. I tend to get so caught up in the ‘presents’ more so than the wonderful present I was given on that cold, starry night! Christmas should be about the birth and not all the stress that I create at that time. Family is so important and I would also like to give this as a pay it forward!

    Reply
  5. Jan Jones says:

    My almost 30 year old son has just recently turned a corner in his life, and is acting more responsibily with money. Although he is using money wisely for the most part, he still has a very big heart, and often tries to express that through spending money on friends and family. I think your book would be the perfect thing to guide him in how to show his love for others without having to be careless and extravagant in his spending. Thank you for the opportunity to win the book.

    Reply
  6. Sharon Lueken says:

    I actually have this book on my list of gifts for my daughter and me this year. She is “on her own” now and is becoming quite frugal in her ways. Should I win, I would still buy one for me but use this “gift” from you for her. Talk about “re-gifting!” Thank you for you. AND, thank you for your glow.

    Reply
  7. Melody Moxley says:

    Would like to have your new book to provide more ideas as to how to simplify Christmas and bring more meaning back to the season.

    Reply
  8. Donna says:

    I would love to relieve this book. In the past I have went overboard with gifts and paying for them long after Christmas. My plan is to pay cash for everything this year, and actually have already bought 3 Christmas presents! I think this book would “fuel the fire” I have going to not go into debt for Christmas. My favorite memories is making Christmas cookies and candy with my Mother and my children.

    Reply
  9. Melina Gross says:

    I believe I would benefit from this book by allowing myself to shop and bless my 8 children and husband with gifts that won’t break the bank and put us into debt. I grew up where gifts were given as a sign of love and it is hard to break out of that mindset. I’m not very creative and I don’t know how to give gifts without spending money. Having 8 children means my time is very limited and I do have a sense of guilt if I don’t find the perfect gift for each of my children. I’m hoping to find a balance this year where I can please each of my children and not feel guilty about it.

    Reply
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