5 Strategies for a Debt-Free Christmas

5 Strategies for a Debt-Free Christmas

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5 Strategies for a Debt-Free Christmas

Growing up I was blessed to have three generations of women that taught me the importance of living the debt-free lifestyle. It’s because of those phenomenal influences that my husband and I have been able to enjoy the past 15 Christmases, debt-free. Today I am excited to share with you five strategies that will help you on your way to celebrating Christmas debt-free.

5 Strategies For a Debt-Free Christmas

1. Utilize online ordering when ever possible.
This allows you to save time, gas money, and get greater discounts by cutting out the middle man (the store) and having your gifts shipped directly from the warehouse. Always use cash back sites when shopping online. If you are not familiar with these type of sites, you can learn more in my article Get Paid to Shop! This is a must-do to maximize your saving each year and it allows you to earn cash just for shopping!

2. Just say no. Never buy anything you can’t afford.
This simple rule can be hard sometimes, but will pay off in the end. Don’t allow the temptation to finance a gift take you further down the dark hole of debt. If you don’t have the cash, don’t get it. It’s as simple as that.

3. Consider buying gifts year-round.
When you shop year-round it gives you the ability to get items in the off season, thus paying reduced pricing for immediate savings. My “When to Buy What – The Ultimate Seasonal Buying Guide” gives you a clear idea of the cyclical discounts you can expect to receive on many items throughout the year.

4. Consider giving your time as a family instead of giving gifts.
This has given our family a lot of flexibility and creative ways to show our love during the season of giving. Not only does this save you money, it teaches your children that Christmas is more about giving from the heart, than receiving. Don’t get me wrong, we are not against giving tangible gifts, but this is one way that we’ve been able to give a lot more “love” gifts to many by giving the gift of time.

5. Consider a hand-made Christmas this year.
You can stock up on relevant items at the craft stores year-round and work on the gifts year round as well. These type of gifts hold so much meaning and can be spread out over the year to save you money, time, and stress during the holiday season!

I hope that some of these strategies can help you and your family enjoy debt-free Christmases from now on. Please join me for my 10 Days to a Debt Free Christmas beginning December 1, to learn more ways to make your Christmas season full of peace, love, joy, and NO DEBT!


CarlieBioPic181x200Carlie Kercheval is a happily married work-at-home homeschooling mom. She and her college sweetheart have been blessed with 3 precious children to raise while traveling the world as a military family. Carlie is the founder of Today’s Frugal Mom™ and Managing Your Blessings. She is also the co-author of the Learning to Speak Life™ family Bible studies and co-host of the Learning to Speak Life™ Radio Show. When she is not busy enjoying her family and the great outdoors, you can typically find her cozied up somewhere under a blanket with a good book. You can connect with her on Facebook, Pinterest, and Twitter.


Heather Bowen

Heather Bowen is the founder and owner of LifeofaHomeschoolMom.com. She and her husband live in North Carolina where they homeschool their two daughters. Heather is a former Labor & Delivery Nurse who traded in her scrubs and began blogging full-time in 2013. She is so glad you're visiting her blog today and hopes to connect with you!

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