The Dave Ramsey Christmas Way. Pay for a Debt Free Christmas with Cash!

This is our third cash only Christmas.  Since 2008, we have buried the credit card and have used cash only for Christmas.  January is a much more enjoyable month since I get no mail from the evil credit card companies.  Commit to the program and you have no choice but to improve your situation.
  If you follow the Dave Ramsey plan, you will build wealth much quicker.  Merry Christmas to all!