Have a Christmas you love without starting the new year in debt.

The Debt-Free Christmas System not only organizes your gift-giving and merry-making, but also gives you all the tools you need to do it on a dime.

$55 Value

50+ pages of holiday planning sheets, checklists, and money-saving ideas – all designed to help you:

  • Be organized with your time and energy
  • Be in control of your Christmas budget
  • Be intentional with spending your money
  • Be confident in knowing your priorities

The Debt-Free Christmas System is a printable, reusable, all-in-one resource to help you set a holiday budget, pay less for gifts, decorate like a pro, and host parties … all without going into debt.

Take A Closer Look at the FIVE Bonus eBooks

The Debt-Free Christmas System: Everything you need to pay cash for Christmas without feeling like Scrooge.

$55 Value

With the Debt-Free Christmas System, you’ll worry less, stress less, and enjoy more, because you’ll have a plan to organize your time, spend your money wisely, and pay cash for Christmas this year.

A $55 Value Buy Today for just $17.00

A $55 Value – Buy Today for just $17.00

Who am I and what do I know about saving money?

Hi! I’m Hope

My husband and I have been married since 1988 and raised our four sons, debt-free, including paying cash for our home when our income averaged under $40,000 a year.

We discovered the secrets of spending less, saving more, and living with a spirit of joy and abundance every, single day.

As a writer and public speaker for over 30 years, I love to share simple and meaningful ways that families can change their spending habits, live on a budget, and grab great, big goals with both hands and refuse to let go.

I’m so excited to share strategies with you that have helped my family celebrate Christmas with joy (and abundance) without spending a lot of money.

Frequently Asked Questions

Q: What’s different about this Christmas planner?

A: Unlike other holiday planners, the Debt-Free Christmas Binder contains forms and checklists, designed to help you save money and stick to your budget. I gave you 12 pages, filled with all of my best “Do Christmas on a budget” hacks. You get over 40 forms, all designed to help you save money. I cover every area of the holidays, from setting a budget and buying gifts, to entertaining and keeping a schedule (so you don’t forget any important events).

Q: How do I get access?

A: Once you complete the check-out process, you’ll receive an email, directing you to a download page for your product. Everything is in PDF format. All websites mentioned in the eBook are hyperlinked. Simply click on any link and you will be taken directly to the listed website.

Q: Can I print my planner?

A: You sure can. I formatted the entire eBook with a wide left hand margin. So, it will fit perfectly into a 3-ring binder. You can make as many copies of any pages you need for your immediate family. Feel free to use your planning pages to track your gift ideas and expenses over multiple years.