5 Tips for a Debt Free Christmas

The Christmas season is here you guys!

Our family is so excited for all things winter.

In a world where we are striving for the best Black Friday deal or the most bang for our buck on Cyber Monday, I want to encourage you to change your mindset this year and celebrate the new year without a mountain of Credit Card debt hanging over your head.

5 Tips for a Debt Free Christmas

1. Create a List! It's incredibly helpful to know who your buying for. This helps you to keep from overspending and impulse buying not knowing if you have everyone.

Below are a few printable Christmas gift lists I adore.

Find this Printable HERE.

2. Create a Holiday Gift Budget! I found this Printable over at CreatingMarysHome.com and love the layout. Be sure to hop over and print it out and USE it!

Find this Printable HERE.

3. Resist Temptation! This might be one of the hardest tips! Around the holidays there is a surplus of flyers that have very enticing deals, commercials with all of the newest gadgets and at the checkout lines you'll find "specials" that are strategically placed there for the shoppers to grab. Stick to your list and avoid those little extras that all add up to hundreds of dollars on stuff we don't need.

4. Pay for gifts with Cash! Before you head out to do your Christmas shopping stop by the bank and grab some cash. With your budget in hand you'll be able to pull out the right amount of cash that will enable you to buy for those on your gift list without putting it on a credit card.

5. If you don't have cash on hand then it's time to add to your budget! Check out my series on way's to add to your Christmas budget. Simple steps daily will help you to have the money in hand to avoid overspending.