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How To Stay Debt Free For Christmas

 

Christmas shopping graphic

Well it’s that time of year to put up the Christmas decorations and engage in the annual tug of war between you, your credit card, and the retailers as you do your shopping for gifts. And guess what? The average shopper racks up more than $500 in credit card debt Christmas shopping and doesn’t pay it off until the following October!

 

So, what should we do to stay out of debt this Christmas?

 

No, it isn’t finding the best sale, it’s having a Christmas spending plan that you stick to and making some creative decisions. And it’s even more important to remember what Christmas is really all about……….celebrating the birth of our Lord and Saviour, Jesus Christ.

 

When you use a spending plan for Christmas you tend to think more carefully about your spending and avoid impulsive purchases. So, here are some suggestions on having a debt-free Christmas that is also a wonderful time and memory for your family.

 

  • Be a student of each member of your family and buy or make inexpensive gifts that are valuable to the recipient because it reflects their personal interests and needs.
  • If finances are tight this year and you have an extended family, consider name-swapping so each person buys a gift for only one or two people.
  • Create a culture of the family enjoying the fellowship with one another and focusing on Christ and not tons of presents.
  • Consider as a family giving to those who are needy. We did this when our children were young and discovered it replaced greed and the desire to get more and more with memories we still talk about fondly.
  • Make Christmas about Christ by having a birthday cake for Him, caroling with friends, and reading the Christmas story.

 

The world has taken Christ out of Christmas – let’s put him back in it front and center.

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He Is Risen!

Dear Friends,

Easter! The day we focus on celebrating the most important day in human history, when our Savior was raised from the dead after willingly giving his life on the brutal cross. “Jesus, the author and perfecter of faith, who for the joy set before Him endured the cross, despising the shame, and has sat down at the right hand of the throne of God” (Hebrews 12:2).

I’ve been thinking about Philippians 2:10, “At the name of Jesus every knee will bow . . . and every tongue will confess that Jesus Christ is Lord, to the glory of God the Father.”

Those who know Him will say, “Jesus Christ is Lord” out of a heart of adoration, worship, and eternal gratitude. Our hearts will be bursting with joy over the prospect of being with Him forever in an unimaginably wonderful place called heaven.

However, those who do not know Him as Savior will acknowledge Him as Lord grudgingly out of a massive sense of defeat, hopelessness, and regret. Their hearts will be overcome with loneliness and terror.

By God’s grace, may you and I recommit ourselves to spend our time, money, and opportunities to live for Christ and influence as many others as possible to come to know Him. We look forward to the day that every knee shall bow and every tongue confess  that Jesus Christ is Lord.

Love in the risen Christ,

Howard Dayton

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