{"id":24552,"date":"2026-04-27T07:28:55","date_gmt":"2026-04-27T07:28:55","guid":{"rendered":"https:\/\/incredipros.com\/?p=24552"},"modified":"2026-04-27T07:28:56","modified_gmt":"2026-04-27T07:28:56","slug":"the-cost-of-christmas-debt","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=24552","title":{"rendered":"The Cost of Christmas Debt"},"content":{"rendered":"
\n

Ahh, Christmas. It comes around just once a year and brings joy and lots of cheer. It\u2019s the season of giving and forgiving. It\u2019s the season of cozy nights and settling in by a warm fire with hot chocolate. It\u2019s the season of lights, ice skating and endless Christmas parties. But after the lights come down and the tree goes into storage, all you have is a wallet with a holiday hangover and no money left to your name.\n <\/p>\n

The $483 Christmas Mistake<\/h2>\n

Sound familiar? You\u2019re not alone. For many, overspending on Christmas is just a way of life.\n <\/p>\n

This year, the National Retail Federation survey shows that\u00a0holiday shoppers plan to\u00a0<\/strong>spend $998\u00a0on everything from presents and pies to tinsel and trees.1<\/sup>\u00a0That\u2019s all well and good when it\u2019s a planned<\/em> expense you can cash flow. But all that holly jolly can do a lot of damage when you put the whole Christmas shebang on your credit card.\n <\/p>\n

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Get expert money advice to reach your money goals faster!<\/p>\n<\/p><\/div>\n

Let\u2019s say you get carried away and put $998 of Christmas spending on a credit card with an interest rate of 17%. And you decide to pay only the minimum payment of $25 each month because it just seems easier that way.\n <\/p>\n

Get this: It would take you\u00a0five years<\/em>\u00a0to pay off your balance! By the time it\u2019s all said and done, your $998 worth of stuff would cost you $1,481.55\u2014thanks to interest.\u00a0Ouch!<\/em> That\u2019s an extra $483 (and some change)\u00a0tacked on to your holiday bill\u2014for just one year of Christmas spending. Imagine how quickly the dollar signs would stack up if you funded every single Christmas that way. No wonder Scrooge shows up every year . . . Bah stinkin\u2019 humbug!\n <\/p>\n

Listen: This isn\u2019t just a credit card issue\u2014the same goes for using services like\u00a0Afterpay, Klarna and Affirm\u00a0that let you pay for whatever you want in \u201ceasy\u201d installments. Remember, anytime you owe money to anyone for\u00a0any<\/em>\u00a0reason, it\u2019s debt\u2014and it\u2019s going to weigh you down way more than those 10 Christmas cookies you just ate.\n <\/p>\n

How to Avoid Christmas Debt<\/h2>\n

Going into debt\u2014especially Christmas debt\u2014is\u00a0not<\/em>\u00a0the way to spend your hard-earned cash. But this cycle of going into debt for presents and Christmas cheer isn\u2019t going to end unless you decide you\u2019ve had enough.\n <\/p>\n

We\u2019re not saying you shouldn\u2019t buy Christmas gifts for the ones you love. After all, giving is the most<\/em> fun you can have with money. So, if you can\u2019t afford to buy Grandma a fancy cashmere scarf this year, that\u2019s okay! She\u2019s had harder knocks in life (remember that whole reindeer incident?) and will still love you even if all you can afford to give her is your best batch of homemade cookies.\n <\/p>\n

Are you ready to start saving like nobody\u2019s business? Good. Here are some surefire ways to help you avoid Christmas debt with everything you\u2019ve got:\n <\/p>\n

1. Make a Budget<\/h3>\n

This is important! Making a budget on purpose before the month begins is the key to staying in control of your money. When you\u2019re in a regular habit of making a\u00a0zero-based budget\u00a0every month, you won\u2019t be caught off guard by having to buy an unexpected gift for your cousin\u2019s new girlfriend. Why? Because you\u2019ll have spent time planning your gift giving.\n <\/p>\n

2. Say No to Credit<\/h3>\n

Swiping that credit card is easy. It may even give you a little bit of joy. But don\u2019t fall for it. Every transaction you make with that credit card will drag you further and further into debt. Cut that sucker up and only spend what you have. And if you\u2019re tempted to overspend, go back and look at your budget.\n <\/p>\n

3. Save, Save, Save<\/h3>\n

Want to be a gift giver that rivals ol\u2019 St. Nick next Christmas? Start saving right now. Yep\u2014saving up for next Christmas is really pretty simple. Let\u2019s say you want to budget $800 for Christmas 2022. Divide $800 by 10, then set aside $80 each month from January through October. Ta-da! By November, you\u2019ll be ready to get a head start on your shopping.\n <\/p>\n

Celebrate With a Credit-Free Christmas<\/h2>\n

Celebrating a credit-free Christmas will put a Santa-sized smile on your face that lasts all year. Here are the reasons you should celebrate Christmas without debt:\n <\/p>\n

1. Less Holiday Stress<\/h3>\n

Your anxiety melts away\u00a0when you opt for cash instead of cards, because you won\u2019t have any payments! That\u2019s right . . . paying with cash means you don\u2019t have to worry about spending money you don\u2019t have after<\/em> Christmas. And even if you can\u2019t buy everything on your list, you\u2019ll hardly notice. You\u2019ll be too busy feeling relieved about not having to make a payment next month.\n <\/p>\n

2. No Interest Paid<\/h3>\n

Nada. Zip. Zilch. That\u2019s how much money you pay in interest and fees when you stay away from credit cards. You don\u2019t have to worry about that $40 sweater you bought for your best friend costing $55 come January. That\u2019s<\/em> a good feeling.\n <\/p>\n

3. No Risk of Being Hacked<\/h3>\n

Target, T.J. Maxx, Home Depot\u2014there\u2019s a whopping list of stores whose databases have been\u00a0breached by hackers. The thieves steal credit and debit card numbers and do a little Christmas shopping of their own. Use cash and don\u2019t make yourself a target.\n <\/p>\n

4. Surprises Aren\u2019t Given Away<\/h3>\n

You probably want to keep that gift for your spouse a secret until Christmas morning. After all, that\u2019s why people use wrapping paper! But it\u2019s too easy for your spouse to check the credit card transactions and see where you did your shopping. Stick with cash and keep wearing your poker face until December 25.\n <\/p>\n

5. Nothing to Pay Off Next Year<\/h3>\n

It\u2019s a bummer to carry a balance on your card for that American Girl doll or new iPhone while you\u2019re out shopping for the new school year. Nix your credit cards. Your future budget (and bank account) will thank you for it.\n <\/p>\n

Things to Remember When Making Your Christmas Budget<\/h2>\n

Just because you\u2019re on a budget this Christmas doesn\u2019t mean you can\u2019t join in on all those fun Christmas activities. Grab your partner, pour some eggnog, and pull up your\u00a0EveryDollar app. Here are the must-haves for your holiday budget:\n <\/p>\n

1. Christmas Meals<\/h3>\n

Are you hosting Christmas dinner for your family or bringing your favorite side dish to a potluck? Plan your Christmas recipes ahead of time so you can wow friends and family with your cooking (and budgeting) abilities. This can be your year to bring more than just a can of cranberry sauce.\n <\/p>\n

2. Holiday Travel and Pet Boarding<\/h3>\n

Plane tickets and hotel rooms aren\u2019t the only holiday travel costs to account for this time of year. Snacks at the airport, Uber or cab rides, parking, tips, and gas are some of the smaller expenses that can slip under your radar. Don\u2019t forget to budget for these costs before you hit the road!\n <\/p>\n

And just because you got an invitation to Aunt Betsy\u2019s fancy Christmas party two states over doesn\u2019t mean Fido did too. If your pet isn\u2019t making the trip with you, make sure to budget for boarding fees.\n <\/p>\n

3. Christmas Decorations<\/h3>\n

While you\u2019re probably excited to string up Christmas lights as soon as you\u2019re finished eating on Thanksgiving Day, you\u2019ll still want to make a budget before buying that peppermint-scented candle or new addition to your snow village collection.\n <\/p>\n

Bottom line? Only buy things you\u2019ve budgeted for\u2014like that new set of outdoor lights or an updated inflatable reindeer for the front lawn (the kids popped the one from last year, didn\u2019t they?).\n <\/p>\n

4. Christmas Shopping<\/h3>\n

The sooner you start saving for Christmas, the sooner you can start buying presents! Now, if that doesn\u2019t help spur you on, we don\u2019t know what will. And by starting early, you\u2019ll actually have the\u00a0time<\/em>\u00a0and the\u00a0energy<\/em>\u00a0to find the best deals out there. Everyone knows about Black Friday and Cyber Monday, but the truth is, a lot of stores start offering discounts to Christmas shoppers much earlier than that.\n <\/p>\n

But remember, you\u2019re not out there shopping blindly. You already made your Christmas shopping list and budgeted for it\u2014so if it\u2019s not on your list, it doesn\u2019t go into your cart!\n <\/p>\n

5. Gifts You Usually Forget<\/h3>\n

You start off with the best intentions by making a list and checking it twice\u2014but every year, you always forget\u00a0somebody<\/em>. Whether it\u2019s gifts for teachers, coworkers, neighbors or even the mail carrier (yes, people actually do that), someone always gets left out. When you\u2019re making your gift list, designate $20 in a category labeled \u201cMiscellaneous Mysterious Person I\u2019ll Probably Forget About.\u201d See? Problem solved.\n <\/p>\n

6. Higher Utility Costs<\/h3>\n

Christmastime means more visitors at your house\u2014which means using more water, electricity, gas and\u00a0heat. Brace yourself for higher bills thanks to more showers, more lights turned on, and more dishwasher loads. Ask your guests to help you keep costs down by cutting their showers short, shutting off the lights after they leave a room, and using paper plates to keep the dishwasher from constantly running.\n <\/p>\n

If you don\u2019t want 90% of your paycheck going toward your\u00a0electric bill, don\u2019t go too crazy with your lights display. For every minute it\u2019s on, dollar bills are floating out of your pocket like fluffy snowflakes from the sky. We\u2019re not saying you shouldn\u2019t deck the halls\u2014just keep it in check!\n <\/p>\n

7. Christmas Cards<\/h3>\n

This one always sneaks up on us, doesn\u2019t it? You might start off the season determined not to do the whole Christmas card thing. But then you get one in the mail from your cousin who had a baby this year, and seeing that newborn in a Santa hat reminds you how much your own kids have grown. The next thing you know, you\u2019re searching online for the best family poses for Christmas card pictures\u2014with matching outfits, of course.\n <\/p>\n

Disclaimer:\u00a0It\u2019s okay\u00a0not<\/em>\u00a0to send out a Christmas card. Nobody says you\u00a0have<\/em>\u00a0to. Do what works for you. That could mean sharing a photo of your family on social media with a \u201cMerry Christmas from our family to yours\u201d caption or giving your neighbors warm wishes in person.\n <\/p>\n

Have a Very Merry Debt-Free Christmas<\/h2>\n

There are plenty<\/em> of ways to enjoy the Christmas season without all the Christmas debt. And if you\u2019re choosing to make this the first year you ditch the credit card, congratulations!\u00a0A merry Christmas doesn\u2019t depend on how much money you spend\u2014it\u2019s about the people you\u2019re sharing time with and the memories you\u2019re creating along the way.\u00a0\n <\/p>\n

So on that note, don\u2019t repeat the mistakes of Christmas past. Go ahead and set up your Christmas budget with\u00a0EveryDollar (our free budgeting app). You can track your spending to make sure you stay within your budget (with no unwanted surprises).\n <\/p>\n

But don\u2019t stop there. Start Financial Peace University<\/em>\u00a0and you’ll learn how to manage your money well\u2014including saving up enough for Christmas so that you don\u2019t have to rely on debt. Ever again. With a little planning and prepping, you can stop the cycle of Christmas debt for good.\n <\/p>\n

Anyone can do it\u2014no elves required.\n <\/p>\n<\/p><\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Ahh, Christmas. It comes around just once a year and brings joy and lots of cheer. It\u2019s the season of giving and forgiving. It\u2019s the season of cozy nights and settling in by a warm fire with hot chocolate. It\u2019s the season of lights, ice skating and endless Christmas parties. But after the lights come<\/p>\n","protected":false},"author":1,"featured_media":24553,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-24552","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"\nThe Cost of Christmas Debt | IncrediPros<\/title>\n<meta name=\"description\" content=\"Ahh, Christmas. It comes around just once a year and brings joy and lots of cheer. It\u2019s the season of giving and forgiving. 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