Gifts, entertaining, decorations - the cost of the holidays can really add up. Here's my challenge to you. Make this a debt free holiday. If you charge anything, pay it off at the next payment cycle. Don't buy it if you can't pay for it in cash, with check or as soon as the credit card bill comes.

Everyone who accepts and accomplishes this challenge wins an awesome prize - no additional debt burden in January!

That's my challenge. Who's in?!