Is Dave A Scrooge?

Dave isn't a grinch. He just advises that Candace set a reasonable cash budget for Christmas while she's still in debt.

QUESTION: Candace and her parents are arguing. She is budgeting $400 for Christmas, but her parents say they’ve never heard Dave say you should do that. What does Dave say?

ANSWER: Do they believe that I’d say don’t do Christmas at all while working the debt snowball? I’ve never told someone to not do Christmas because they are getting out of debt. I have said Christmas is a craft, but I never said stay away from it. The idea here is that you are getting your act together and get out of debt and change your lifestyle. You shouldn’t spend $2,000 on Christmas, but just have a reasonable cash budget. I’m not the Grinch.