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Christmas is such a warm and cozy time of year, and although it’s a time of giving, Christmas should not cause you to go into debt. I know it seems harder and harder to accomplish a savvy Christmas as we get older and more specifically, as our kids get older, but it it is doable.
Remember, how much you give is not relative to your love. Loving someone doesn’t mean going into debt to give to them.
In the next section, I’ve come up with some steps to help everyone have a giving and debt-free Christmas.
Make A List
Making a list is ALWAYS step number one in everything I do. (Confession. I’m a notorious mental-lister and that usually always fails for me, so I’d recommend against it.) I’d advise an actual pen and paper list and just like Santa, check it and recheck it.
On your list, you should include names of all the people you feel you MUST get a gift for and a list of who you’d LIKE to purchase for.
Set A Christmas Budget
Decide how much you can afford by looking at your Christmas budget and divvy up accordingly. If you don’t have a Christmas budget, I recommend starting one ASAP, so you’re better prepared for next year.
- Budgeting for Beginners
- Stores That Offer Layaway All Year
- Simple Ways to Save Money
- How To Get Free Gift Cards
Saving money and getting the best deals are a great way to stretch your dollar.
You can get great deals on gift cards by visiting Raise; it’s where I purchase all of mine. (Fun Tidbit: You can sell your unused or unwanted gift cards on raise too!)
Shop at Target using their REDcard (NOT a credit card) and receive 5% off all purchases and get free shipping without a minimum purchase requirement.
Sign up for Paribus and get immediately notified if a purchase you made becomes available for less and get a refund for the difference!
Lastly, if you have a boatload of nieces and nephews like me, consider putting all of their names into a hat and having each child pull a name. Then, you can put those budget dollars elsewhere.