And just like that, we’re headlong into the most wonderful time of the year, when I challenge you to make it a debt-free Christmas. Because there are few things that feel as good as facing the New Year knowing that everything is paid in full—no Christmas debt to hit you in the face come mid-January.
But when you’re short on cash it doesn’t feel that wonderful. The temptation is great to put just one more Christmas on credit. Before you give in to that terrible idea, consider that you have options. You can choose to 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.