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October 31st, 2016
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8 Secrets to a Debt Free Christmas

Wanting to save on Christmas shopping? Here are 8 secrets to a debt free Christmas. No money for Christmas? That is ok, we have tips to help you this year.

8 Secrets to a Debt-Free Christmas

With Halloween behind us, Christmas is less than 2 short months away, so today I want to talk about how to have a Debt Free Christmas! That realization may cause you some anxiety, especially if you’ve not begun your Christmas shopping. Not only do you want to find gifts the people you love will enjoy, but you don’t want to break the bank doing so.

Here are some tried and true secrets to debt-free Christmas Shopping.

Wanting to save on Christmas shopping? Here are 8 secrets to a debt free Christmas. No money for Christmas? That is ok, we have tips to help you this year.

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1. Pay with cash when Christmas shopping.

For most of us, when we pay with a credit card (or even a debit card), we don’t quite realize how much money we’re spending. Rather than handing over the plastic to the cashier, pay for your gifts with cash. Parting with those hard-earned bills will cause you to think twice about whether or not that “splurge” gift for your spouse is the best choice.

2. Use the 4 gift method.

Most parents have a hard time reigning in their spending when it comes to their kids. This year, give the 4 gift method a try – one item they want, one item they need, one item they will wear, and one item they will read.

3. Use couponcloset.net for the best deals.

When you’re on a budget, you definitely want to make sure you are getting the best deals on each item you buy. Check our DEALS page often; we make sure you are in the know when it comes to rock bottom prices!

4. Set a budget for each person.

How much are you able to spend this year for Christmas gifts? How many people do you plan to buy for? Once you have those two numbers, determine how much of your budget you want to allot to each person on your list. Then (and here’s the key), stick to your budget!

homemade-gifts-for-kids-that-they-will-love
5. Make your own homemade gifts.

There are so many creative homemade gift ideas out there! Here are some great homemade gifts for kids, food gifts in a jar, non-food gifts in a jar. You can even make lotion (great teacher gift!). Make sure you check out our post of 21 Homemade Gifts for Kids {that they will love}.

Not only will you save money by making gifts, but you can also get your kids involved with the gifts that aren’t for them.

Here are a few more homemade gift ideas:

6. Shop online.

With all the fantastic deals available online, you will probably save money (and time and gas) by making your purchases without heading into the store. In fact, doing your Black Friday shopping online is a great strategy. Plus, by not going into the store, you’ll prevent yourself from buying things you didn’t intend to buy.

Wanting to save on Christmas shopping? Here are 8 secrets to a debt free Christmas. No money for Christmas? That is ok, we have tips to help you this year.

7. Stick to your list.

You’ve made your budget, you have a strategy about what you’re going to buy. Now the trick is sticking to your list. Even if you find a great deal, if you’ve already shopped for that person, you need to move on (unless you still have money budgeted for that person). This little bit of discipline will go a long way toward keeping this Christmas debt-free.

8. Stay home on Black Friday.

As I shared above, there are lots of great online deals on Black Friday, but you’ll also find that there are great deals that will pop up after the craziness of Black Friday is said and done. It may seem counterintuitive to wait to shop until after Black Friday, but you will be surprised at the sales you find! Make sure you visit our deals page so you never miss a deal.
These secrets will help you spend less this Christmas and start off the year without Christmas debt. Start putting away a little money each month for next Christmas, too, and by the time December next year rolls around, you’ll have your Christmas budget ready to go!

Wanting to save on Christmas shopping? Here are 8 secrets to a debt free Christmas. No money for Christmas? That is ok, we have tips to help you this year.

 

 

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