Living with credit

Frugal holiday wishes

Emily Crone

I’ll say a word and you say what comes to mind. Ready?

Here’s the word: December.

Emily's list: Holiday edition

If you’re like a lot of people, “December” goes with debt, stress and weight gain. But wait — aren’t the holidays supposed to be about love, togetherness and giving? It seems like every year, the real message gets lost in the frenzy of consumerism and overspending.

It is silly to go into major debt just to buy your family and friends piles of over-the-top, expensive gifts. Guess what: If you scale back and spend within your budget, they will love you just the same.

Emotions can significantly influence our spending, and if you are stressed, depressed, feeling inadequate or wanting to impress, your finances can take a major hit during the holidays. If you’re feeling tempted to blow your budget, clear your head. Go on a long walk. Play a board game with your family. Visit an old friend. Remember what the holidays are really about.

Whether you celebrate Christmas, Kwanzaa or Hanukkah, I hope you are able to enjoy the true spirit of the holiday season this year.

Here’s to a happy and debt-free holiday!


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  • Emily, great list of informative resources. Thanks for including me amongst such excellent posts and bloggers.