The Best Time to Eliminate Debt is Christmas

Christmas is just around the corner and it just occurred to me that this is the perfect opportunity to start eliminating debts, if you have one. One of the perks of being an employee is receiving the 13th month pay and Christmas bonus. My husband said he will receive his 13th month pay this soon and we are surely excited. It may be tempting to reward yourself for all the hard work that you're doing and take that plunge and buy that laptop or digital camera you've been eyeing for a long time but if you've got debt and it would be better to use your extra money to eliminate debt. It makes perfect sense, since you have to pay for it anyway and it will keep on increasing if you don't pay it costing you even more money in the future then why not buy yourself some piece of mind this Christmas and use that money to get rid of that irritating debt. This is my simple advice on how to eliminate debt.
We're fortunate we don't have any debts to pay but we're still thinking long and hard before we use that extra money. Our wishlist includes a digital camera, a vacation, an oven, and a new guitar but we hope we'll end up making some practical purchases instead and keep the remaining money in a bank which we can use as a capital for our business in the future. Too bad I don't have any bonus because I'm working at home but that's the only thing I'm missing from my previous work. Anyway, I wish all of us to have the best Christmas we'll ever have but not at the expense of our finances!


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