Debt Free Holiday

No chetahs for me this holiday season I will be shopping with only the cash in my pocket! I am sure there are some of you out there that would never have used a credit card for gifts but I have been stupid and thought that was the norm, but no more. I have not used a credit card in almost a year, I am not debt free yet but I am on my way! The cool thing is that I have a great job and am making the kind of money to make this possible. This year I will focus on spending time with my family not the presents I can give but instead I will give them my time.