Avoid Last-Minute Holiday Money Splurges | Debt Free Digest December 2018

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Welcome to our Hoyes Michalos Debt Free Digest where we round up personal finance topics from around the web to help you live, and remain, debt free.


Christmas is around the corner. Hopefully you’re done shopping for the people on your list. Regardless, there will be plenty of opportunities to spend in the final run-up to Christmas. Our December edition provides tips on how to avoid last-minute hits to your budget, while still enjoying the holidays.

Good Reads From Around the Web

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This year, give someone a break from spending with a “One Less Gift” certificate. Francine at Miss Minimalist says you don’t need material things to celebrate the season. She shares 10 alternative ways to spend time with a friend or loved one.

Get Your “One Less Gift” Certificate Here

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The stores are busier closer to Christmas, so you’ll struggle to find what you need. Andy of Money Advice Service shares 4 ways you can keep your festive budget from feeling the heat if you absolutely need to shop at the last minute.

The Cost of Last-Minute Christmas Shopping

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Gift-giving brings a lot of joy, especially to loved ones. But should you buy something for everyone? Where do you draw the line? In this post by Stewardship, they outline how to set boundaries for gifts and ditch guilty giving.

Set Gift-Giving Boundaries

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Avoid Last-Minute Holiday Money Splurges | Debt Free Digest December 2018Hoyes, Michalos & Associates Inc.
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