Debt Free Christmas
It is very easy to get overwhelmed and spend more than you can afford at Christmas time. In fact, on average Americans overspend by $1000 every year at Christmas time. In some cases, they haven’t even paid off the debt from the previous Christmas when the next Christmas rolls around. But it doesn’t have to be that way. Christmas doesn’t have to break the bank and here are a few tips I have for a debt-free Christmas. Set a Budget for Each Person Before you get started on your Christmas present shopping set a budget for every member of your family that you’re shopping for and stick by it! Make a list of every person you’re buying for and how close they are to you. It’s ok not to buy presents for people! Focus on the people who live in your house first. When it comes to shopping for kids don’t feel like you have to get them a dozen different things. A few slightly more expensive gifts are better than a ton of cheap ones. Plan Meals in Advance Make a list of everything you need for Chris