How to Have a Debt Free Christmas – The 4-Gift Christmas Challenge

One way our family has opted to keep our Christmas budget under control, especially since adopting all the boys, is to do the 4-Gift Christmas Challenge.  The Challenge is simple…for each child, we purchase something they Want, something they Need, something to Wear and something to Read.  It has been such a cost saver for us and each child gets a mix of presents we can feel good about giving.