It seems the days of living debt-free are unheard of, but that's really the secret, not for just a wonderful Christmas season but to a wonderful lifetime. Back in the day when I grew up, you didn't buys things unless you had the money right then to make the purchase. Same thing continued when we got married... we saved money and made purchases with savings.... not with credit cards, that only built interest fees, stress and problems.
I've heard it said that wealth and poverty don't change you. They just make you more of what you already are. We've had little and we've had much... so in my experience, that's exactly right. No matter where you are, the focus at Christmas should never be on acquiring more things! Rather it should be on experiences, on time together as a family and on meditating on what Christmas really means - God stepping out of Heaven to Earth. Love coming down to save us.
Here are some suggestions taken from Dave Ramsey on living debt-free (Financial Peace University).