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Savings Tips For A Debt-Free Christmas

Often people go overboard on Christmas and end up having a serious struggle of reducing credit card debt. Sticking with a strict financial plan when it comes to holidays, such as Christmas, can really save the day! Therefore, it is good to know some savings tips for a debt-free Christmas.

Try ACCC's savings tips for a debt-free Christmas.

Try ACCC’s savings tips for a debt-free Christmas.

Savings Tips for a Debt-Free Christmas

Organize, Organize and Organize!

Start with a grand list of everyone you are buying Christmas gifts. Then, set aside a maximum spending limit for each person. When you plan your holiday budget for Christmas gift shopping, you will also find opportunities for some DIY gifts. Our credit counseling advice is to account for every wrapping paper and every ribbon you buy – surprisingly, the smaller costs can add up fast too!

Start Saving

Now that you know what you need, it’s time to start saving. Allocate money for your Christmas shopping every week. You can even go to the extent of opening a holiday account and adding money into that, so you make sure you don’t touch that money!

Cash-Only Shopping

So far, you have a plan and have started saving. When you are ready to shop, withdraw the cash you need before getting to the stores. If you are disciplined enough, you can leave your credit cards at home! Eliminating credit card debt can be a headache, especially after the holidays. If you can commit to cash-only holiday shopping you will emerge a winner this season! These saving tips for a debt-free Christmas can be a part of your debt reduction efforts.

If you’re struggling to pay off debt, ACCC is here to help. Schedule a free credit counseling session with us today. 



Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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