If you're looking for a way to scale back on expenses, why not commit to a credit-free Christmas this year? Resist the temptation to spend money you don't have on material things that ultimately have very little meaning, and provide very little satisfaction. The Christmas season isn't about "things," it's about relationships…. with your family, your friends, your Creator. So, cut up the cards, lock them away in a safe deposit box, or at least keep them in your wallet. Celebrate, sure… but don't go into debt. Rediscover what Christmas is all about. The best way to keep from busting out the plastic is to have a plan. We can help! Here are some easy to use and practical tools to make your Christmas Credit Free.