As Christmas shopping begins, don’t go into debt trying to please people with temporal trinkets.

Here are 5 steps to help you spend wisely this year.

Main Points

  1. Come up with a budget.
  2. Make a list.
  3. Determine spending amount.
  4. Get creative.
  5. Give what lasts.

Every spending decision is a spiritual decision.

Travis Agnew is a Christian, husband, father, pastor, author, blogger, and religion instructor.