The best way to stay Debt free is just have a specific amount you can afford to spend and take it out in cash when ity is done it is done. Even Debit cards get you spending everything you have in your account. I used to love those old Christmas club coupon books at the bank it showed you how really hard it is to save that set amount each week. you are no so likely to spend it foolishly. Now the have automatic debits from your account less impact on the thought process so I suggest a coke bottle you can't get the money out of esily and out that $10 , 20 or 50 a week in with a calander taped to it. Check off each week. Then when you need it at Christmas you cut it open [plastic 2 litre] . Better yet forget gifts completely and have a party with good food and everyone chip in $10 for a grab baggift or a donation to the Charity you pick. we do a bring a can of food as entry fee to the party and donate it to the food bank. last year everyone brought bags of food I needed my pickup truck to get it to the bank. Remeber the small things. Buy for Kids only. Do you really need another anything? deb