I'm Dreaming of a Debt Free Christmas- Part 4

This is Part 4 of an 8-part series guiding you on how to create a Christmas budget. Click here to read part 1part 2 and part 3. Each week we will introduce you to progressive steps you can take to create a holiday season that is meaningful, authentic, connecting AND debt free. Yep… it’s really possible.

For a more comprehensive look at the steps, sign up for our FREE 5-day email course, Take Back the Holidays – Guiding you to a Debt free Christmas by clicking here. You’ll receive a daily email with access to the private FB group and some amazing bonus material to ensure you wake up on New Year’s Day without a penny of additional debt but a pile of gratitude, and deep, lasting calm.

You’ve created a vision – YOUR vision – for the holiday season.

You’ve created a budget that captures, realistically and fearlessly, that vision.

Now, it’s time to give that budget legs, or, at the very least, bones. It’s time to find money to make your holiday what you envision without compromising what you need. And to end the financial anxiety, overwhelm and fatigue.

I know, I know…this is the point when folks always hum and hah. It’s the point when even the most ardent, hopeful person,  starts to slump. This is the point when you have to make choices. To say Yes and No.

But, friend, this is also the part where YOU GET TO MAKE CHOICES!


And, forget not, you’re armed with something new and beautiful this time around – your vision.

Remember, a vision is a superpower. It “offers armor AND strength AND patience AND persistence.” It is THE THING that changes budgets centered on “NO” into budgets built on “YES!”

Granted, it takes some intention to be intentional. To make choices is an act of vulnerability. It often feels uncertain, shaky and fragile. Fret not, though, plunge into the work, the intention. Trust yourself. Trust yourself.


First, a disclaimer: This isn’t a one-and-done event, but a series of small, meaningful steps that add, with time, to a big, beautiful change.

Look back over the budget you created (If you still need to make one, click here to purchase a printable form that you can use immediately in our Holiday Workbook, available for 25% off with the code GWREADER).

First, check in about the realistic numbers associated with each of these line items. Sometimes/Always, time has a funny way of sharpening our attention. Do these numbers still fit?

Then, bring that same sharpness to your current spending. If you have a household budget, grab it and look for patterns and habits. If you don’t have a household budget, find something that will give you an honest accounting of your typical expenses – account statements, receipts, creepy GoogleMaps tracking logs of your daily trips…anything to give you a perch to see the bigger picture.

Regardless of which perspective you use, hold those patterns and habits up to the clarifying light of your Holiday Vision.

Use the light from that vision to choose which of your habits and patterns are ready for a shift or shuffle.

Instead of believing that you’re losing something, your vision reminds you of all that you’re gaining. 

Start small. How does your Starbucks habit line up with your vision and desire for a debt free Christmas? Could you see yourself giving it up for a couple of months so all of that cash can go towards the Christmas of your dreams?

Or, you could always decide that you don’t want to spend money on stocking stuffers this year because, well, gingerbread lattes and your hour of alone time in the midst of holiday madness is REALLY important. My point is, this is where you choose. If you say yes to Starbucks, you may have to say no to some aspect of your Christmas vision.

OR, start big and be hardcore. Do a no spend challenge for November and use all the money you save to pay cash for Christmas.

You’re in charge. You get to choose. Make it possible for you.

Go get ’em, friend.

DebtOlivia Zurawski