I’m celebrating with my family another No-Debt Christmas!
It was December 2, 2002 when my family decided to NEVER finance our gift-giving again. We chopped up on credit cards (because we allowed them to fuel our impulsive spending decisions), put together a Mini-Budget to plan exactly how much we would spend for each person, and then followed that plan!
So that has led to No-Debt Christmas events in:
That is NINE No-Debt Christmas times!
We have discovered some key things that have happened during our No-Debt Christmas times:
- We focus more on family
- There is less stress!
- We don’t dread bills in January!
- We’re able to focus on Jesus Christ – THE reason for Christmas!
- Our savings have not been impacted because we saved for Christmas every single month of the year!
- We can participate in giving like never before – because it is the season for giving!
How about YOU? Is it a No-Debt Christmas for you? If so, how many years in a row? What have you discovered as you have experienced your No-Debt Christmas?