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Christmas is ten months away. Why think about it in February? Right? WRONG! If you want to have a debt free Christmas then the best way to do so is think about it every year. This is the second in my series of having a debt free Christmas.
This month, let's make some lists. Make a list of all the people you want to send Christmas cards to. This next month, plan on getting the cards and stamps. It's sometimes cheaper to buy your own Christmas cards and add a photo inside. Check out the fantastic prices of these cards at Family Christian. They even have some as low as 16 for $1. So if you haven't purchased Christmas cards yet, figure out how many you need and purchase them now! You certainly won't find deals like this in November or December.
Also, plan for stamps. Did you know you can order holiday stamps at any time of the year through the usps.com site? So order your Christmas cards and order your stamps. That way you will have them come Christmas.
If you don't send cards, then just set the money you would have spent on cards back for expenses as they come up IN ADDITION to what you are already saving for gifts. If you aren't sure how much that would be, just set back $50. Put it in a "Christmas" envelope because you'll be spending it before a bank Christmas club account would come due.
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