Giving the Gift of a Debt Free Holiday

Are you ready to give yourself the gift of a debt free holiday? Are you ready to help your clients do the same?

Black Friday and Cyber Monday, the two largest shopping days of the year, are still many weeks away, but holiday promotions and shopping are already in full force.

While the economy in recent years has been rather consumer unfriendly, somehow, consumers have continued to spend more each holiday season than the previous one. It is, admittedly, easy to do and difficult to undo. The lure of sale/discounted prices and the tradition of generosity in giving at this time of year, can make spending money you don’t have on gifts too quickly forgotten – a “habit” not enthusiastically addressed.

That is why the Center for Financial Social Work created the “6 Simple Steps to a Debt Free Holiday Program.” In it, is every step and form you need to make this holiday season the one you stop just thinking about spending less and celebrating more into the actions and behaviors which turn those thoughts and wishes into your reality.


The “6 Simple Steps to a Debt Free Holiday Program” will be available in an e-book format to our students, graduates and FSW community. In addition, we have scheduled a free webinar on Thursday, October 17th to introduce you to the program, to walk you through it and to answer any questions you might have about it.

If you are unsure whether this program is for you, try answering the following questions:

  • Are there three or more ways you (your family) could benefit from having a Debt FREE holiday?
  • Would any obstacles you might encounter in your effort to create a Debt FREE holiday be worse/more difficult than spending 2014 paying off the debt from holiday 2013?
  • Who might/might NOT support you in creating a Debt FREE holiday?
  • Which matters more to you: The spirit and meaning of the holiday or its consumption and consumerism?

Debt has a negative and stressful impact on the lives of all who have it. Don’t allow this holiday season to put you into that position or to add to existing debt. Instead, choose to make the behavioral changes which will make you feel better about yourself personally and financially by prioritizing your own financial circumstances and respecting your own financial boundaries. You will forever be glad you did.


Dont forget to check out the upcoming webinar :

Connecting Clients to Consumer Financial Protection. It is completely free and registrants will receive a recorded video of the presentation

Written by Reeta Wolfsohn, CMSW
SJS Contributor


This article was orginally published at and printed with the permission of the author.

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