Doors are closing on 30th September 2020 

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LET'S BE 100% REAL HERE, 

You’re maxing out your credit cards, taking advanced paydays, skipping bill payments and even borrowing from loved ones just to cover your Christmas expenses

You feel pressured to keep up with the Joneses and the thought of saying no to requests from friends and family around Christmas time makes you nervous.

Christmas creeps up on you every single year and before you know it you’re neck-deep in Christmas debt leaving you embarrassed and ashamed

The holidays are no longer fun for you. You feel stressed, overwhelmed due to lack of planning and overspending, which leads to regret, bitterness and more debt to pay in the new year. 

Does this sound familiar?

You want a clear and realistic way to save for Christmas, buy gifts for your loved ones, without getting into debt every single time.

You want to spend Christmas on your terms and finally, be in control of your finances again.

What if I tell you, you can have your cake and eat it too?

You can learn exactly how to spend guilt-free money for Christmas without the last-minute overwhelm and stress and make your holidays enjoyable again.

CAN YOU IMAGINE EXACTLY WHAT YOUR LIFE

WILL LOOK LIKE AFTER YOU’VE EXPERIENCED

YOUR FIRST DEBT FREE CHRISTMAS?

  • You’ll be so proud so finally to have a budget that you can stick to.

  • You’ll no longer feel ashamed to always ask friends and family for a loan around Christmas

  • You can be on your journey to paying off ALL of your debts

  • Christmas will be a perfect blend of gifts, celebration, ease and still hitting those financial goals.

I KNOW YOU WANT TO HAVE YOUR FIRST

DEBT-FREE CHRISTMAS BUT YOU HAVE QUESTIONS!

  • What if I have no experience budgeting?

  • What if I have no time to commit to the challenges?

  • What if I spend money on this and I’m still in debt?

 

The budgeting process can be scary and frustrating when you’re now starting.

If you don’t have the right guide, it’s easy to make some expensive mistakes, get overwhelmed and thinking that saving is not for you.

In fact, without the right expert guidance, you’re likely to repeat the process of not planning for Christmas, taking out last-minute loans and having your debts spiral out of control.

That’s why I have my Christmas Budgeting Collection to help you manage your finances and prepare for Christmas the right way.

INTRODUCING.......

The Debt-Free Christmas Challenge.  My signature guide of budgeting resources to help you manage and track your savings between October 1st - December 24th to be better prepared for Christmas.

Just between me and you, you can apply these exact resources to learn how to save for any other big event for the holiday!

Copy of (conflicting copy) Christmas Pro

SIGN UP TO THE DEBT-FREE CHRISTMAS CHALLENGE

Total Value £37

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Liana

I want to say how grateful I am for Esther. She has taught me and showed how budgeting can be fun, and not stressful. Her system is the best one I've seen and believe me when I say I tried too many. I highly recommend her services, she is one of the best!

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Ebony

Esther is very knowledgeable and passionate about budgeting and debt payoff. She is able to simplify these financial topics and shares information in a way that is relatable and motivating!

YOUR LIFE BEFORE DFCC

  • Not being familiar with personal finance

  • No clear financial goals

  • Stressful Christmas that always results in further debt

  • Not knowing how to make money work for you

  • Constantly dipping into your savings and emergency fund to keep up with the Joneses

  • Maxing out your credit cards every Christmas

YOUR LIFE AFTER DFCC

  • Know how to track, save and manage your finances

  • Clear and actionable financial goals that allow you to finally see your progress

  • Relaxed and at ease Christmas without getting into further debt

  • Sufficient expertise on exactly how to master your budget and make money work for you

  • On your journey to paying off all of your debts

  • Never get into further debt again.

THE 12 WEEKS STRESS-FREE DEBT-FREE

CHRISTMAS CHALLENGE

is a 12-week program where you’ll receive lifetime access to over 20+ printables that outline exactly how to save, budget, meal plan, develop a cash envelope process and so much more. 

Each week, I will walk you through my unique mechanism to for financial success, particularly how to: 

  • Set financial goals and plan for Christmas

  • Budget and save for any big event or holiday

  • Cut back on expenses and avoid debt around Christmas

  • Pay yourself first without feeling guilty. 

HERE’S EXACTLY WHAT’S INCLUDED IN THE CHRISTMAS CHALLENGE

  • 5 Savings Trackers 

  • 11 Cash Envelopes and Guide

  • Christmas Budget Sheet

  • Christmas Gift List

  • Christmas Card List

  • Christmas Meal Plan

  • Christmas Budgeting Guide

EXTRA BONUSES

Here's the extra bonuses that come when you sign up THIS TIME!

BONUS 1

BI-WEEKLY Q&A’S

6 Bi-weekly Q&A’s to check-in, share wins, share challenges, get support and encouragement and ask questions

BONUS 2

WEEKLY CHALLENGES 

Weekly money challenges accessible directly from the members' site to keep you on track and taking action every single week.

BONUS 3

COMMUNITY OF BUDGETERS

​Be part of an epic no-judgement community that supports you on your financial growth

Is 12 weeks enough for me to save for Christmas?

Honestly, it depends on you and your level of commitment... 

If you are willing to be consistent and apply the new money habits learned during this program, then you will be on your journey to having a debt-free Christmas by the end of the 12-week period. 

Those who did the exact challenge, last year, were able to save in time for Christmas and continue to do so today.  For the best results, set aside 1-2 hours per week for the challenge.

There's never a better time to start learning how to become debt-free!

If you signup this time around, you will:

  • Benefit from a community of budgeters, who like you, will be aiming to turn their financial situation around. 

  • You’d get 1:1 support from me via my bi-weekly Q&A’s

  • Start your journey to have a more organised and structured Christmas

 

If you wait to get started, you’re only going to stay stuck in the endless cycle of debt on top of debt, leaving you numb, powerless and stressed out.  

Six months from now, you’ll wish you started to work on perfecting your finances today!

IS THIS PROGRAM RIGHT FOR ME?

THIS PROGRAM IS RIGHT FOR YOU IF...

  • You’re tired of getting into debt and you want to finally regain control of your finances and develop the habit of saving
     

  • You want to enjoy Christmas and buying gifts for your loved ones but also want to smash your financial goals
     

  • You love to plan ahead and you’re ready to take control of your finances again before it’s too late. 

THIS PROGRAM IS NOT FOR YOU IF...

  • You want to judge others for their spending habits
     

  • You aren’t willing to participate in the weekly challenges required for you to have a debt-free Christmas
     

  • You aren’t willing to try new things and would prefer to make up excuses.

     

The 12 Weeks Stress-Free Debt-Free Christmas Challenge will allow you to finally be in control of your finances, make budgeting become a fun and easy way of life and create a 2020 Christmas on your own terms without the stress.  

 

THE CHOICE IS YOURS!

 

You can keep getting in more and more debt every Christmas

OR

You can use my Christmas Printables and reclaim control over your finances in the next 3 months, have your first debt-free Christmas.

Where do you want to be 3 months from now?

How about 6 months from now?

Do you have a plan of action to get you there?

If you’re ready to jump out the debt train and actually turn your poor financial planning into a step-by-step budgeting plan then The 12 Weeks Stress-Free Debt-Free Christmas Challenge will be the program that changes that for you!

Your transition from ashamed and overwhelmed to empowered and proud starts now!

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Tomi

Thank you so much for an amazing experience, for giving me a space where I can be vulnerable about my finances & goals as well as a detailed plan about how to achieve those goals. After the course, I've definitely been putting my money to work!

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Mary

Very informative session! Esther creates a safe place to discuss everything finance, came away from the session learning so much! Thanks Esther.

THE 12 WEEKS STRESS-FREE DEBT-FREE CHRISTMAS CHALLENGE

  • 5 Savings trackers 

  • 11 cash envelopes and guide

  • Christmas budget sheet

  • Christmas gift list

  • Christmas card list

  • Christmas meal plan

  • Christmas Budgeting Guide

  • Christmas Cash Envelope Guide 

  • No spend Challenge Guide

  • BONUS 1: Private Facebook Community of Budgeters

  • BONUS 2: Bi-weekly Q&A’s to check-in, share wins, share challenges, get

  • BONUS 3: 12 weekly finance challenges

  • **BONUS: 1:1 budgeting masterclass for the first person who signs ups** 

WHAT HAPPENS WHEN YOU JOIN 

  1. You’ll be required to enter your information on the checkout page and create a login for the member's area
     

  2. You’ll then receive immediate access to all of the resources via your email

Hi There, I'm Esther!

With over 13 years of experience of what NOT to do with money coupled with 3 years of experience as a Financial Coach, I wanted to share with you all the tools, resources and practices that resulted in me no longer being 18k in debt. 

Can you believe that 40% of that was incurred due to Christmas? 

I remember what it felt like to be a people pleaser, spend my bill money on Christmas gifts to keep up with the Joneses, only to end up feeling depressed at the beginning of the new year.

I had an ah-ha moment and decided that enough was enough. I learned how to create a debt-free Christmas by setting up a realistic budget and saving towards my Christmas every month. 

Now I live a debt-free life, I enjoy stress-less holidays, I always pay myself first and live life on my terms. I’m 100% in control of my finances and still able to say yes to the things my family enjoy. 

This is exactly what I want for you.

I can’t wait to personally welcome you inside of The 12 Weeks Stress-Free Debt-Free Christmas savings Challenge. 

SIGN UP TO THE STRESS-FREE

DEBT-FREE CHRISTMAS SAVINGS CHALLENGE

Total Value £37

Do you have a question about The 12 Weeks Stress-Free Debt-Free Christmas Challenge, send me a message on Instagram HERE. I’d love to help.

©2020 by Boss Of My Money