Looking for a 12 week Christmas savings plan? You can have a debt free Christmas with this printable Christmas challenge!

Imagine a Christmas where the bills didn’t follow you into January…February… or March.

I know what usually happens; it used to happen to us, too. You get caught up in the joy and giving that’s synonymous with the Christmas season, and before you know it, you’re in debt up to your eyeballs and your feelings of joy are replaced with feelings of discouragement.

Panic sets in and you realize you spent. too. much. How will you pay for it all?

My friend, there are 12 weeks left before Christmas, and I want to challenge you to have a debt-free Christmas this year, and each year moving forward. You can do this! Saving for Christmas doesn’t need to be stressful.

Research estimates most Americans will spend an average of $781 on Christmas gifts this year, and those figures don’t include other Christmas-related items, like Christmas trees, cards, postage, gift wrap, decor, or traveling to be with family.

*Related: Dave Ramsey Budget Forms That Are A Lifeline When You’re Struggling To Stay Afloat

Since $781 is the estimate, I’ve put together a Christmas savings plan for you to save $800 in the next 12 weeks (October through December). This plan works well for anyone who’s paid weekly OR bi-weekly; if you’re bi-weekly, be sure you plan for the larger sum to be saved on a payday, and the lesser sum on the in-between weeks.

THEN… when this year is over, Christmas is past, and you have NO DEBT… begin saving on January 1st for next year’s Christmas. This is what our family does! We’re huge fans of Dave Ramsey and saving to pay cash for everything. For example, saving $50 out of every bi-weekly paycheck gives you a whopping $1300 for Christmas next year. YOU’VE GOT THIS!

Christmas Savings Plan PDF

Click to download your free >> Christmas Savings Plan PDF <<, and then… be sure to read our story of how we paid off our house.

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