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.  Start by using this money saving Christmas gift planner to organize your list.  But remember, 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.  For additional ideas, here are 10 ways not to break the bank for Christmas and 7 Gifts to Give Your Family Every Day.  Rediscover what Christmas is all about.