Debt-Free Holidays

Determined to avoid holiday debt?

Buying gifts without going into debt requires an extra measure of self-control, but the peace and joy of God’s provision is unsurpassed. To begin, make a list of those you want to give to. Set your budget, and then track your spending. Don’t procrastinate! Last-minute buying leads to overspending. When shopping online, cart your items, and then compare prices for the best deals. Try making your gifts. These are often the most meaningful. For example, propagate plants, bake, stitch, or paint something. Record yourself reading a book, or singing a song, or sharing a sentiment. Write a letter, frame a photo, or send an invite to a special event. Research shows that experiences often give greater satisfaction than things. When done in community, it’s even more fun. So, gather loved ones and find ways to celebrate together.

One year, Chuck gave a card to close friends with a verse written inside and an explanation of why he chose that verse for them. He was told that it really meant a lot. More valuable and longer lasting than any packaged gifts are yearly Christmas traditions that focus on the Truth. They build a legacy of faith, security, and strong family bonds. Repeated over time, they’ll imprint the hearts and minds of loved ones. Did you grow up with something you want to repeat? Or is there something new that you want to implement this year? How about giving anonymously to someone in need? This can be a fun family project. Whatever you do, be determined to celebrate debt-free, and let us know how it goes!

If you’re currently struggling with credit card debt, Christian Credit Counselors can help. They’ll create a debt management plan specifically for you. For more information call the Crown Helpline at 800-722-1976 or visit online at crown.org/ccc.