Ultimate Guide To A Debt Free Christmas

Does this sound familiar?

Despite your best intentions, do you suddenly find yourself in November with NOTHING budgeted for Christmas?

Do you find yourself panic buying last minute Christmas items to realise you don’t actually know how much you have spent, who you have yet to buy for or if you’ve missed anything?

Do you loathe the last minute Christmas supermarket trolley dash or online grocery order that arrives on Christmas Eve with 15 substitutions?

Have you had to turn to credit to get through Christmas, and then face months paying it all off?

It’s time to STOP and take back control of Christmas!

I already know I want to buy!

Say Goodbye to the stressful, debt laden, unorganised Christmas.

How would you like to start December safe in the knowledge that your Christmas food shop is sorted, the presents are paid for, and what’s more you SAVED money on what you usually spent?

With the Ultimate Guide to a Debt Free Christmas eBook & budgeting system, I can show you the exact strategies I use to ensure my Christmas is budgeted for all year round.

And no, I’m not one of those annoying, super organised people who start writing their Christmas cards in February!

I am not going to tell you to buy all next year’s Christmas gifts in the January sales either – that rarely works out well (unless your recipient is fond of 12 month old bathcare sets that didn’t sell the first time round and have been gathering dust in your loft all year.)

It’s time to STOP and take back control of Christmas!

What you DO get..

Strategies to cut your Christmas budget without sacrificing what you need

There’s a difference between shopping smartly and depriving yourself of all the joy that Christmas brings. This toolkit isn’t designed to make you miserable by cutting out the things you love about Christmas!

A foolproof way to save for Christmas all year round without noticing

Nobody intentionally wants to get to November and find they need to turn to credit to get through Christmas. Do it on autopilot with the strategies provided and save without even noticing!

A smart system for spreading the cost of your Christmas food shop

Avoid that last minute Christmas trolley dash or online delivery filled with substitutions by adapting this clever and affordable Christmas grocery shopping strategy .

The tools to never worry about how you’ll pay for Christmas again

You don’t have to be a type A organisation queen to get Christmas sorted, this toolkit is packed full of easy, actionable steps that run on autopilot most of the year.

Plus ALL THIS Included:

The Ultimate Guide to a Debt Free Christmas eBook

A comprehensive 7 Chapter book with simple. actionable steps including a 12 month plan and a Bonus Boxing Day / January Sales section.

NEW: 20 Page Workbook & Planner to accompany the eBook

A printable pdf workbook to accompany each Chapter and action step of the eBook.

Christmas Budgeting Spreadsheet

Calculate all your Christmas costs automatically with this Excel and Google Sheets compatible spreadsheet.

Bonus: Savings Challenge Printables

3 different savings challenge printables to help you save for Christmas the way that suits you.

All for only ~~$19~~ $9!!

My Journey To A Debt Free Christmas…and life

As a part time working mum who took a £25,000 ($33,000) pay cut, I know first hand how much of a struggle Christmas can be.

In my old, higher paying job, I never needed to budget for Christmas. I was also not a parent at that point, so I had a lot less to organise personally for Christmas in terms of food, presents and entertaining guests.

Fast forward a couple of years and the main reason I took my pay cut was to go part time and look after my newborn daughter. As a family, we also started to host Christmas dinner or a family Boxing Day party each year and so suddenly there was a lot more to do and a lot less money!

I struggled with the costs of not just Christmas, but everyday essentials, and soon I was putting things on credit with no way of covering the cost. This became a viscous circle and I still shudder to think of how much interest was charged on some of those Christmas purchases.

Thankfully, when I began this blog I also began my debt free journey, and thanks to the help and advice from other finance bloggers I was able to become debt free under 18 months later!

I knew I never wanted to return to my old ways of having to rely on credit for Christmas, so I set out my plans. Now I save for Christmas all year round without noticing, and I’m going to show you how you can do the same.

I strongly believe that whatever your budget, everyone can have a debt free Christmas!

Let’s Do This!

Now only ~~$19~~ $9!!

Frequently Asked Questions

Debt Free Christmas is primarily aimed at UK adults who have a lot of expense at Christmas and would like to manage it better. A lot of the people who fall into this category are parents of young children who wish to make these precious years magical – which unfortunately can lead to overspending.

But of course, to benefit from this product you don’t have to be a parent at all, especially if you host Christmas dinner for 10 or have a lot of people to buy gifts for – the principles will work for anyone who wants to manage their Christmas spending more effectively.

No – it is a digital download. Your copy will be emailed instantly to the email address you supply.

The budgeting spreadsheet system, strategies to reduce your Christmas expenses and savings challenges are relevant for all. (Although you will need to change the currency in the spreadsheet from GBP).

However, information about shops, sales, offers and cashback is all tailored to the UK audience, so these chapters may not be as useful to you.

Christmas customs obviously differ from country to country as well, so some things mentioned may not be relevant, but this should not affect your ability to implement the system overall.

Absolutely not! (Unless you want to of course!) Most of the actions in the 12 month plan are to do with budgeting and reviewing the money. Not all of the early months have an action at all, it’s just the plan runs from January to maximise the budget.

This book will give you plenty of short term strategies to implement this year, but you will really be able to hit the ground running with them in the following year once you’ve had a taste for how it works.

If you’re used to relying on credit for Christmas, and currently have nothing saved at all, I can’t promise you a 100% debt free Christmas this year.

But I can help you reduce your spending, maximise sales and offers and find ways of earning extra cash.

Hopefully this will drastically reduce the amount you have to put on credit, as well as implementing the full 12 month savings plan next year.

For the price, I hope you’ll agree it’s worth taking a chance on to see how far you can get with it!

No problem – you can sign up for a free Google account (GMail/GSuite) and access the spreadsheet via Google Sheets. Instructions on how to do this are included in the Toolkit.

Learn more