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The Christmas season is meant to bring joy but for many, it also brings extra bills, last-minute shopping, and the pressure to spend more than planned. From gifts and food to travel and festivities, it’s easy for costs to spiral. That’s why we think this guide from She’s Worth It is so timely and shows how a little planning now can make for a much merrier, debt-free holiday season.

The big message? Start early, keep it simple, and stay true to what really matters.

Instead of letting December sneak up on you, the article encourages us to start now. Here are a few stand-out ideas:

  • Budget early, breathe easier: Knowing what you can realistically spend helps avoid a financial shock in January.

  • Focus on what matters most: Christmas doesn’t need to be about big gifts or over-the-top spending meaningful experiences often mean more.

  • Choose creativity over cost: Home-made, second-hand, or shared gifts can be thoughtful without draining your wallet.

What we like most is its realistic tone. It encourages you to sketch out a budget now, before the rush begins. It’s not about cancelling Christmas or cutting out fun, but about shifting the focus so you can enjoy the season without carrying debt into the new year. 

Plus, the message lines up perfectly with our with our 6 Steps to Financial Resilience.

  • By planning early, you’re tracking your money.

  • By setting aside funds for Christmas, you’re setting goals.

  • And by avoiding credit cards or loans, you’re actively tackling debt.

 

Why This Matters

The festive season has a way of testing our money habits, but it doesn’t have to leave you with a financial hangover in January. The She’s Worth It guide is a timely reminder that with a bit of planning, creativity, and discipline, you can enjoy the holiday season debt-free.

So if you treat it like an opportunity to practice some resilience, there’s a potential ripple effect: when you get through Christmas without overspending, you’re not raiding your emergency fund or starting the new year behind. Instead, you’re stepping into January stronger, with more breathing room to protect what matters and grow your future.

Read the full article here: How to Prepare Now for Christmas Without Going into Debt.

 

Alan Sharpe headshot

Written by: Alan Sharpe

Alan is a key member of the HealthCarePlus leadership team. With over 30 years experience in marketing and customer service roles he is a passionate advocate for the union movement and HealthCarePlus’s mission to create real, lasting value for their members

 

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