There are 5 WEEKS left before Christmas. Do you have a budget yet? Craig Ford, guest blogger at Christian PF, has written a great Christmas budget that will help you decide how to approach your gift spending needs. The best part about it, is that you will be able to have a debt free Christmas.

Christian PF says to add this spending rule to your budget:

How much you can afford to spend must be an amount you save in CASH. This is not an ‘if-I-were-rich-I-would-budget-this’ list. This is how much you actually have to give for Christmas. If the number is low, that is fine. Christmas is not about financially crippling yourself so someone can have a pair of socks that will go in the trash before January. Christmas is about expressing love and appreciation. Both of which can be done without money. Christmas can be enjoyed without money. Be sure that your budget is reasonable in relationship to your income. This can be done by making sure your total amount fits within recommended budget percentages.