12 Days of Debt Relief
Less debt, more joy — manage your holiday spending with these 12 tips
Swap debt for delight and learn how to enjoy the warmth of the holidays without breaking the bank. Our Licensed Insolvency Trustees across Canada are giving you their best tips for celebrating the holidays on a budget.
Join us on a journey this December as we unwrap these essential tips to make the most of your celebrations and set the stage to reduce your debt in 2024.
Wishing you a season filled with joy and financial well-being from the team at MNP Ltd.!
Cap your spending
Set a maximum amount you can spend on all gifts and stocking stuffers.
Draw names
Reduce the number of gifts everyone in the family has to buy this year.
Leave the plastic at home
Make this holiday an Interac-only affair.
Eliminate the guesswork
Be honest with loved ones what you do and don’t need this year — even if that means basic necessities or help getting out of debt.
Keep it small
Save gifting and gatherings for those who are closest to you.
Manage your energy consumption
Put your lights on a timer to limit increased power costs.
Stay home
Reduce airfare and fuel costs by avoiding unnecessary travel this year.
Reap the ultimate cash back reward
Gift a charitable donation and enjoy a nice tax deduction next spring.
Get creative
An act of service, a handwritten letter — something from the heart can make a cherished gift.
Begin your debt-free resolution today
Get a head start on retooling your budget and be ready to hit the ground running on January 1.
Share the load
Chip in with others to spread the costs and maximize the impacts of your collective gift giving.
Start planning for next year
Setting aside a little each month will lessen the financial shock of the holidays.
