Three Reasons For A Debt-Free Christmas


“Three Reasons For A Debt-Free Christmas”

by Hannah Keeley


If you’re thinking about whipping out the plastic to make all your holiday dreams come true, THINK AGAIN! I’ve found out that if you have enough incentive, you can do practically anything. If you want it bad enough, you can have a totally DEBT-FREE Christmas. There are a million and one tips on how to save money during the holidays. So, I’m not going to tell you HOW to do it, I’m going to tell you WHY you should. If you have a big enough WHY, the HOW usually takes care of itself.

So, here’s WHY you should NOT go into debt this Christmas…


1. Post Holiday Stress Disorder–This is a very real condition. This is what happens when you spend eight hours shouting in glee and exclaiming over gifts and then get the bills in the mail and find out you have to spend eight months paying it all off. That’s one month of payment for every hour of elation! C’mon! Is the stress really worth it? You want to go into the new year with unlimited freedom, not with chains of debt keeping you imprisoned. The Christmas morning glee is not worth the furrowed brow and the worry you will carry with you in the days and months that follow. Avoid Post Holiday Stress Disorder by reigning in the spending now.

2. Life Lessons for Little Ones–When it comes to kids, more is caught than taught. They can hear you preach up a storm about making smart decisions in their lives. But if they see you racking up the debt in order to get a bunch of goodies this Christmas, they are learning that you really don’t mean what you’re saying. Buying on credit is NEVER a good idea. If you can’t pay for it now, then pass it up. You’ll be teaching your children a powerful lesson that they will carry with them the rest of their lives.

4. Distraction Protection–Getting caught up in checking off the Christmas list is a sure way to get our focus off the real reason for the season. God gave us His son, Jesus–to free us, not to imprison us in a distorted perception of this holiday. Nothing at all is wrong with presents and goodies this time of year. But when you make that your primary focus, and carry it so far as to make purchases that will burden you with debt, you are distracting yourself and your family from what really matters this season. Protect yourself by putting a limit on your spending. Try using creativity rather than credit this Christmas.

So, tell me…are you going debt-free this Christmas? Share how you’re making it happen!!




hannah_keeleyHannah Keeley was once in overwhelmed mom living in a cluttered house, deep in debt, out of shape, and barely hanging on. But one day, after finding herself sobbing uncontrollably into a pile of clean laundry, she realized God has bigger and better plans for her (just like He does for each one of His children). Beginning that day, she began making changes in her life that took her from overwhelmed to overjoyed. Today, she’s helping moms do the same. Hannah, her husband, Blair, and their seven children live in Richmond, Virginia, and are having the time of their lives!

Check out Hannah’s Website Here!


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2 comments on “Three Reasons For A Debt-Free Christmas

  1. Michelle says:

    I’ve gotten myself into trouble financially too many times.

    Credit card debt. I still have it..
    Bankruptcy. Twice. The first one was unavoidable and due to a divorce that I did not want to participate in. Even still, if I had simply waited for what I wanted (a good husband and family), I could have avoided it.
    The second time was complete with a forclosure.
    Regret. Shame. Loss of confidence. Inability to make lasting and substantial change.

    Okay, so my second husband and I have 7 children to feed, clothe, house, educate ,etc. and that requires a lot of planning and frugality and the ability to discern what is necessary.

    I can’t tell you how many times we gave the kids a “great Christmas” that bit us afterwards for many years to come. By the grace of God, we have gotten better. Little by little.

    Although I don’t have lots of shoes, handbags, clothes or other extras, my struggles lie mostly with the food budget. I’m having trouble living within our means.

    I have finally found what works and does not include interest of any kind. When I am able and with the grace of God, I will do more, but for now, it’s what I think will work for me where I am.

    Payment plans. As a girl, my mom used Popular Club to buy our school clothes. It was also how she was able to buy our Electrolux Vacuum. That beauty lasted forever. It was a way to purchase better quality stuff that paid off in the long run.

    And then there was layaway. Desire grew into fulfillment until the day we picked up our stuff. Oh the excitement!

    When I look back over the years to see where I have been successful instead of where I have failed, I noticed how well I did in this area and now I am taking that path. My goal is to one day save for the things that I want and then purchase them, but for now, this is what works.

    • Michelle says:

      Oh my goodness Hannah, please forgive me and feel free to delete my mini POST! I guess I got a bit carried away.

      God bless.

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