Journeying to a new place lets you try on what living in another culture feels and looks like, whether you’re exploring the adobe house-filled streets of Santa Fe or the lantern-lit alleys of an ancient Moroccan city. Many travelers, dazzled by the rug sellers of Istanbul or the pottery workshops of Oaxaca, return with worldly housewares or art to decorate their homes.
“A textile, a clay bowl or an object you pick up at a flea market connects you to a time that you’ve enjoyed, a memory of a place,” says Hilary Robertson, a Brooklyn prop stylist and author of “Nomad At Home: Designing the Home More Traveled.” “If you can’t move to Marrakech or Kyoto, you can at least recreate something of the feeling.”
But snapping up the best items for your particular home requires a bit of strategy and advance planning. Here’s how to shop smartly, how to get your treasures back in one piece, and what to do with them upon your return.
Do your homework
You usually won’t turn up Indigenous handicrafts or interesting local art at an airport store or the hotel gift shop. “So do research before you go, looking up artisan networks, finding out which days flea markets operate, and figuring out what you might even be able to buy in a given place,” says Rachna Sachasinh, owner of Tikkiwallah, an online shop selling fair-trade Thai and Laotian pillow covers, blankets and other textiles.
Seek tips on what to buy and where to shop from your hotel concierge (or short-term rental owner), and via the websites and social media accounts of official tourism boards. You can also flip through old-school guidebooks (Lonely Planet, Rick Steves), which tend to concentrate on local retailers, rather than the location of every West Elm in Mexico City. TikTok and Instagram also offer potential shopping info, but be wary of paid brand placements.
While cool art and vintage home decor are available at most destinations, “you’ll find more handmade items like textiles, rugs and baskets if you travel to places like Morocco, India and Mexico, which still have living crafts cultures,” says Sachasinh.
Consider hiring a shopping pro
To get straight to the treasure hunting, you could hire a tour guide who specializes in shopping for a few hours. Look for market- or retail-specific experiences in your destination on travel booking sites such as TripAdvisor and Tours by Locals; using the name of a specific place (“Istanbul Grand Bazaar” or “Oaxaca pottery workshops”) can further winnow your search.
You can also try a simple online search to turn up market-savvy private guides such as Buenos Aires Shop Hop (guided jaunts to leather workshops and vintage markets in Argentina) or Maryam Montague, the proprietor of Peacock Pavilions hotel in Marrakech, who takes travelers on daylong expeditions through the city’s souks looking for fuzzy tribal rugs, bright pottery and leather poufs.
Or go on a crafts- or shopping-focused trip. Tour companies such as Ace Camps and Thread Caravan host weeklong trips to meet artisans and make things alongside them in destinations such as Perú (try weaving in the Sacred Valley near Machu Picchu) or Japan (learn how to use shibori indigo dyes or make pottery).
Luxury trip-planning company Indagare offers frequent style-centric small group tours to Mallorca, Rajasthan and Paris with dinners in designers’ homes, market excursions and meetups with artists. Grant K. Gibson, an interior designer, leads small groups to destinations such as Jaipur, India, and Oaxaca, Mexico, where they visit showrooms, learn about block printing and woodworking techniques, and usually come back with suitcases full of merchandise.
“Design touches on so many passion points — art, history and culture, food and wine — that trips like these are a great linchpin for learning, exploration and meeting fellow design enthusiasts,” says Indagare founder and chief executive Melissa Bradley.
Know what to look for
To support local artisans, look for fair-trade crafts stores, which pay creators fairly for their products and tend to stock goods representative of a destination. Other top bets: flea markets focused on handmade or antique goods, museum shops, and government-sponsored artisan boutiques or networks. For instance, Artesanías de Colombia shops in Bogotá and Cartagena hawk rope hammocks and palm fiber baskets produced by Indigenous weavers.
“And visiting an artisan workshop might give the deepest connection to something handmade, since you get talk to the crafter or even make something beside them,” says Sachasinh, who recommends the weaving workshops and the blanket- and table runner-stuffed store at Ock Pop Tok in Luang Prabang, Laos. At the Seattle Glass Blowing Studio, artists create the delicate bowls and glasses the Pacific Northwest city is known for — and teach beginners how to make their own.
Think about how you’ll get it home
Serendipity and impulse inspire many souvenir purchases. But if you want a Turkish rug for your living room or a vintage Parisian painting to match your bathroom tile, be sure to travel with photos and measurements of the space you have in mind. “I always bring a measuring tape and swatches of any fabric I want to match, too,” says Montague.
Planning on carrying a lot of items home on the plane? Stash a collapsible duffel (Paravel makes a clever zip-down one) in your luggage, or, for larger purchases, pack an extra, empty hard-sided suitcase. “It’s usually cheaper to pay for an extra checked bag than to ship a lot of things home,” says Montague. Know that oil paintings can be taken off their stretchers and rolled up, and that you can purchase a throw pillow cover that takes up little luggage space and buy the bulky insert when you arrive home.
“I’m wary of checking a bag with breakables, though,” says Bradley, who has ferried glass and pottery back from Cambodia and South Africa in a hard-sided carry-on.
And whether you are two hours away by car or five time zones away by plane, retailers that sell bulky items can generally guide you toward a shipper, even though it’s often not cheap. “I had this great farmhouse dining table shipped from the Paris flea market, and I’ve had people on my trips to India send home inlaid dressers,” says Gibson.
Get creative
Many housewares bought on your travels can be repurposed, and even ordinary goods found in other countries can seem special or elevated compared to what you’d get at home. “I go to Mexican hardware stores, because even basic items like door hooks or storage bins can be so colorful and fun,” says Robertson.
A Navajo rug can serve as a tablecloth; a beaded Maasai collar morphs into a sculpture when displayed on a wire stand. Even the simplest souvenirs — a vintage postcard of Yellowstone National Park, a scrap of fabric — look terrific when nicely framed.
Grouping disparate travel finds on a gallery wall can make them seem cohesive. “I have the most random … stuff hung on the wall of the staircase at my house — a painting from India, a brass bowl I got in Turkey,” says San Francisco interior designer Chelsea Sachs. “It’s like a chronicle of my life, and these things remind me of special moments when I get back home.” Indagare’s Bradley arranges Iranian tiles, Burmese boxes and Peruvian ceramics amid the novels and art books on her shelves.
Fabrics, buttons and other easy-to-transport materials you snap up on the road can turn into home accents, even if you aren’t especially crafty. Bring home a couple pieces of washi — a Japanese mulberry paper so storied it’s recognized by UNESCO — to hot-glue onto a lampshade or inside a wooden tray. A basket or other object can be turned into a light fixture. “I carried a huge antique rattan bird cage home on a ferry from Provincetown once, and now it’s a chandelier,” says Robertson.
And almost any textile — a striped Peruvian blanket, a vintage quilt from a flea market — can be fashioned into a throw pillow or shower curtain by your drycleaner or used to reupholster a chair seat. “Sometimes stuff has to hang around for a while before you know what you’ll do with it,” says Sachs.
You might not want to amass a cabinet full of souvenir teacups, spoons or snow globes like your great grandparents did. But the concept of picking up one small object everywhere you travel still has some validity; it might save you from overbuying, and even kitschy trinkets can summon memories. Think about scoring a holiday tree ornament or small flower vase every time you go on a trip, or save a few coins from each foreign country you visit to pile into a bowl on your coffee table. “Pieces from different places become integral to your home and allow you to reconnect with a destination and its aesthetic,” says Bradley.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Are you ready to save money in advance for Christmas this year? Then, you are in the right place.
With this Christmas Budget Challenge, you will be prepared for holiday spending and not be scrambling at the last minute.
Get prepared for a debt free Christmas!
Tired of overspending? This challenge is perfect for you.
Tired of the post-Christmas debt hangover? This is exactly what you need.
The Christmas Budget Challenge is wonderful for someone who wants to take control of their life both their time and their money. Plus enjoy a debt free holiday season!
In 2019, the average family spent $900 on Christmas, according to Statista. Do you have $900 lying around for just Christmas gifts, decor, food and any other miscellaneous Christmas items?
Be honest with yourself.
If the answer is no, don’t fret. That is probably 90% of society. Keep reading and you can change that.
In order to have a debt free Christmas, you must save up in advance and plan your Christmas budget.
If the statistics hold true, then collectively over one trillion will be spent on the holiday season. So, you need to be prepared for next Christmas.
Remember, saving money is setting money aside today to be used for a future purpose.
So, what are the tips and tricks on how to have a debt free Christmas?
We want a Debt Free Christmas!
In order to have less stress around Christmas, the goal is to fund your Christmas money envelopes the week of November 1st.
That way you have plenty of time to shop around, get the best deals, and be the first one with wrapped presents.
Let’s talk about Christmas money envelopes… They are the perfect place to put your cash so you have money saved when the holiday comes. No paying on credit cards and having the January debt hangover.
If you prefer an online option, then use a savings builder account.
We want a debt free holiday season!
Even a smaller holiday that you can afford is better than a huge holiday that you can’t afford. Period.
Please note… Just because you may finish your Christmas shopping early, doesn’t mean it is a free pass to keep spending on those last minute items. That will wreck every Christmas budget.
Download the Christmas Budget Tracker and Gift Planner now.
Celebrate a debt free Christmas
It’s that time of the year again. The Christmas budget is looming and you’re scrambling to find a way to pay for it, or at least limit how much it will cost.
Christmas is a time of giving, family fellowship, and memories.
Christmas is not an unexpected expense.
You don’t want to be stressed or worry about how you are going to pay for it.
Debt Free Christmas tips: Plan ahead and use these money saving tips.
How to have a Debt Free Christmas
Christmas is financial stress and debt, but there are ways to plan for it so that you can have a debt-free Christmas. By saving up now, you will be able to afford the things you want without having to worry about repaying loans in January.
You need these debt-free holiday tips in your life! This is exactly how to enjoy Christmas with no money – specifically NO DEBT.
A debt free Christmas!
Also, once you enjoy living a debt free Christmas, you have learned many of the millionaire habits that will help you all year round.
1. Save Up Money Early
The sooner you start saving for Christmas, the better off you will be when the holiday gets closer.
As with any of our money saving challenges, it takes a little discipline to set money aside for a specific purpose and only use it for that purpose.
Shortly, we will go into detail on how much money to save based on your budget for Christmas.
In our household, we have a sinking fund that each month we add a pre-determined amount towards. It is a lean $50 per month because we prefer a minimalist home and choose experiences over gifts.
2. Implement the 3 Gift Rule
This is the best way to make a minimalist Christmas a possibility by limiting the number of gifts each person gets – especially the kids.
Let’s be honest… so times, it is hard to limit ourselves to only buying a few items.
With the 3 gift rule at Christmas, you are able to stay with your Christmas budget. Plus you will be able to buy high-quality gifts instead of purchasing a bunch of small gifts (to make it seem like you are making Christmas gift-giving bigger and better).
For our household, our 3 gift rules follow this:
Something to wear
Something to read
And don’t forget the fun!
3. Plan Ahead
There are two ways to plan ahead.
First, use our Christmas Budget template to help you decide how much you need to spend and how much you can spend. This will help you to plan in advance the best gifts for your loved ones.
Second, to shop off-season or on clearance. Our perfect example was our oldest needed new snowpants, so I bought them in June for the upcoming winter. I paid pennies compared to the retail price and had an awesome much-wanted present.
By planning ahead, it will also take off much of the stress that you are experiencing around the festive holiday parties.
4. Pick Your Traditions
Have you ever considered which traditions are your favorites? Which do you do because they are your traditions even if you don’t enjoy them and they are costly?
One year, I decided to poll my own family on their favorite family traditions. Their top five list were all things that were frugal, didn’t cost much money, or were volunteering to help others.
This is where family politics can become friction between families.
You have to choose what works for you and your family and your budget. (Not theirs!)
5. Be Brave and Say No
Let’s face it. Saying no is hard and sometimes isn’t fun.
But, you desire a debt free Christmas more than anything else this year.
Your personal financial future is more important than spending money you don’t have.
Quick example: you are invited to 5 parties with family and/or co-workers. Each party has a $20 gift limit for each person attending. So, you are dropping $200 as a couple on parties that aren’t your first priority.
It is okay to opt-out of gift exchanges. Be clear with your reasons and tame their expectations of you.
Make it is time to find a community that shares some of the same money values as you!
Christmas Budget Challenge for a Debt Free Christmas
All of the Christmas Budget Challenges will be based on the average Christmas budget each year. (That number from above is based on average spending.) Just remember that number is a collective of gifts, food, decorations, and any miscellaneous holiday items.
Because every family and their personal finance situation is unique, we will break this Christmas Budget challenge up into various spending levels.
You choose which will work best for your family.
Related Resource: 8 Simple Tips to Stay on Budget at Christmas
Let’s discuss how these numbers we decided on for the Christmas Budget Challenge. First, the average family spent $900 on Christmas in 2019, according to Statista. Regardless of whether you think that number is jaw-dropping high or way too low. That was the average amount spent. Those are the statistics.
So, for this challenge to have a debt free Christmas, we are going to break that into three different levels.
Christmas Budget Challenges Levels:
Average Christmas Budget – $900
Frugal Christmas Budget – $450
Luxury Christmas Budget – $1,800
Just a side note…The average spending of $900 at Christmas includes amounts put on credit cards that weren’t able to be fully paid off.
The goal is to save $900 by the week of November 1st. (Don’t worry about counting weeks. The key dates and weeks are listed below.)
That means saving money for Christmas weekly.
This challenge is about having a debt-free Christmas and holiday season.
Don’t think it is possible to have a fabulous holiday season without debt?
Let me tell you… IT IS POSSIBLE!
We have done it each and every year. There is no post-hangover stress or guilt on how much was spent.
Also, makes sure to check the end of the post for the dates for 2020!
Average Christmas Budget – $900
For the first challenge, we are going to be average. Plain, old average. Nothing fancy here. Also, we are assuming the average spending is the same as the average Christmas budget.
We are making the assumption that you plan to spend the average amount as each American family did in 2017.
Average Plan
Weekly Amount to Save
44 Weeks
$20
30 Weeks
$30
23 Weeks
$40
18 Weeks
$50
15 Weeks
$60
9 Weeks
$100
Frugal Christmas Budget – $450
Next, the frugal Christmas budget is half of the average amount spent on the holidays. A fabulous Christmas put together for under $450. Personally, we have always limited the number of gifts.
Think outside the (Amazon) box!
Or take on a frugal lifestyle or thrifty lifestyle.
Simplicity is key.
Frugal Budget
Weekly Amount to Save
44 Weeks
$10
30 Weeks
$15
23 Weeks
$20
18 Weeks
$25
15 Weeks
$30
9 Weeks
$50
Luxury Christmas Budget – $1,800
Lastly, the luxury Christmas budget is for someone who has the capability to spend more and wants to make sure it is done without debt. By saving in advance, there are so many more options available when the holidays roll around.
You plan to save $1,800 for the holiday season.
Luxury Plan
Weekly Amount to Save
44 Weeks
$40
30 Weeks
$60
23 Weeks
$80
18 Weeks
$100
15 Weeks
$120
9 Weeks
$200
Key Dates:
Based on when you are reading this post will determine how much to start saving by date.
Don’t just pin this post later… be prepared!!
52 Week Savings Plan: November 1st 40 Week Savings Plan: January 25th 30 Week Savings Plan: April 5th 23 Week Savings Plan: May 24th 18 Week Savings Plan: June 28th 15 Week Savings Plan: July 19th 9 Week Savings Plan: August 30th
Download the Christmas Budget Tracker and Gift Planner now.
Where to Save Christmas Money
Now, it is one thing to say, “I’m going to start saving money for Christmas this year.”
It is completely different to actually act on it.
The BIG recommendation is to get it outside your temptation to spend!!
There are two options on where to save your Christmas budget money.
Savings Option 1 –
The first option is an online account.
Personally, this is my favorite. Simple reason on why. It is harder to access the money (it takes 2-3 days for the money to be transferred back to your local bank account). Plus, it is simple to set up an automatic transfer and forget. Then, money is set aside in a separate account until you need the funds.
Every month, we add the same amount to our sinking fund.
Savings Option 2 –
The second option is to use a cash envelope.
This one comes with the temptation to dive into the money set aside for a debt free Christmas. Personally, I think the prettier the envelope, the likelihood to actually use it goes up, too.
Check out the list of Best Cash Envelopes. Pick up your Christmas money envelope now!
Large family: How to have a debt-free Christmas
In order to avoid a debt-free Christmas, you need to start the year by saving your first paycheck. The rest of the money from that point on went towards Christmas expenses and was budgeted for that holiday.
The key is you cannot spend money set aside for this purpose.
By doing this, you are able to have an exciting Christmas without any debts.
Still, stressed about giving the best gifts for your large family? Here are great gift ideas that are affordable and thoughtful.
Enjoy These Debt Free Holiday Tips?
That is a bunch of simple and easy tips to make sure you learn how to have a debt free Christmas!
Are you up for the challenge? Make this year your first debt-free holiday season.
Start saving now in order to have a debt free Christmas.
And enjoy a stress-free holiday!
More Christmas Resources for you!
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Looking for a low-stress job that pays well? This list has you covered. These 10 jobs offer good pay without the stress of a typical 9-5. Perfect for those seeking flexible hours or needing low-stress work for health reasons. Find a job that fits your lifestyle and start enjoying a better work-life balance.
Massage Therapist
Image Credit: Pixelshot.
A massage therapist helps people relax by working on their soft tissues and joints. They need to know anatomy and medical procedures and often work in calm places like spas or clinics. This job is low-stress and pays well and is easy to get training..
Electrician
Image Credit: Kadmy from Getty Images Pro.
An electrician is a skilled worker who only needs a few years of training. After an apprenticeship, they can work with electrical tools and circuits. This job pays well and doesn’t require many qualifications.
Librarian
Image Credit: Adamkaz from Getty Images Signature.
Librarians help people find information and manage collections. They work in a calm environment and often have time to read. This job is low-stress and pays well, making it a great choice for those who love books.
To learn more: 50+ Best Low Stress Jobs After Retirement
Dental Hygienist
Image Credit: Piksel from Getty Images.
A dental hygienist cleans teeth and teaches patients about oral hygiene. With a two-year degree and state licensure, this low-stress job offers a good work-life balance and pays well.
Virtual Assistant
Image Credit: Chee Gin Tan from Getty Images Signature.
A virtual assistant provides remote administrative, creative, or technical help. Working from home, they avoid office politics and can enjoy a flexible schedule. Very popular for stay-at-home moms.
To learn more: 14 Best Virtual Assistant Jobs with No Experience Required
Makeup Artist
Image Credit: Drazen Lovric from Getty Images Signature.
A makeup artist enhances clients’ appearances with cosmetics. They work in salons or as freelancers in the beauty, fashion, and entertainment industries. Basic communication skills are needed, but no formal education is required. Just style!
To learn more: Best Online and Side Hustles for College Students: Ideas for Fast Money
Plumber
Image Credit: Pixelshot.
A plumber installs and repairs pipes and fixtures, ensuring water flows where needed. With apprenticeship training, plumbers can enjoy a well-paying job without a degree.
Photographer
Image Credit: Alliance Images.
A photographer captures moments and memories. Good skills in composition, lighting, and timing are essential. Training in art and design helps, but a degree is not needed. This job has good demand and many niches to seek.
To learn more: 25 Best Jobs for Moms With No Degree: Balancing Family and Career
Solar Photovoltaic Installer
Image Credit: Zstockphotos.
Solar photovoltaic installers set up solar panels on buildings. They need to understand electrical wiring and troubleshooting. Due to a labor shortage, this job pays well and is low-stress if you like climbing on roofs.
To learn more: 43 Best Side Hustles for Men to Make Money
Radiologic Technologist
Image Credit: SimpleFoto.
Radiologic technologists use imaging techniques like X-rays and MRIs to help diagnose and treat diseases. They work closely with doctors and need good communication skills. An associate’s degree is required.
Find More Low Stress Jobs that Pay Well
Image Credit: Drazen Zigic from Getty Images.
Discover more low-stress jobs that pay well without needing a degree. These jobs offer minimal stress and plenty of growth opportunities, making them great choices for a new career.
To learn more: Best 30 Low-Stress Jobs That Pay Well Without a Degree
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. We may earn a commission from partner links on Newsweek, but commissions do not affect our editors’ opinions or evaluations.
Tim Maxwell
Mortgage Expert
Tim Maxwell is a freelance personal finance writer with over two decades of media experience. His work has been published in Bankrate, CBS News, Experian and other outlets. Tim is passionate about financial literacy and empowering people to take control of their finances. When he’s not writing or geeking out over his budget, he enjoys creating memories with his family in the Sierra Nevada mountains.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
In today’s world, getting ready for Christmas is an undertaking.
For some, it is months worth of planning. For others, they are flying by the seat of their pants at the very last moment possible. For me personally, I fall into between these two groups depending on the year.
The amount of Christmas money each year that is spent. You need a few tips and tricks up your sleeve to make sure you stay debt free!
To help you out, this post is created so you have all of the best money saving tips for Christmas. That way you can continue to build the life of your dreams.
You need to bookmark this page to come back and reference!
A budget means you are making a plan for your money.
It isn’t supposed to be limiting or feel restrictive. A budget takes account of what you have available to spend and make sure you are a good steward of your money.
With a Christmas budget, you are making sure you are allocating the money you have to spend on gifts, decorations, parties, food, and decor!
Nothing will be forgotten and you will stay debt free!
This is where the Christmas magic starts.
You need this Christmas worksheet to help you plan a holiday you can afford.
Download your copy and start planning a magical Christmas season!
Don’t skip this section!
You need to know these simple tips to make sure you are successful with your Christmas Budget.
Did you know… If you use a budget at Christmas, then you will find success all year around.
Frugality is one of the traits of those who reach financial independence or saving that first $1M first.
You don’t need to spend a ton of money to have an epic Christmas.
Learn these 10 money saving tricks for a frugal Christmas (and don’t forget the best part… no one will know you spend little or no money)!
Saving money for Christmas helps you spread out the financial cost hitting you at once. One of the best ways to do this is with sinking funds.
A debt free Christmas is what you truly desire!
Start saving today with one of these Christmas money saving challenge. Plus find great ways to save and keep the spirit in Christmas.
This is where you learn to save with a Christmas saving account. Money set aside for one purpose and one thing only – spending at Christmas time.
Plus find fabulous saving money tips on additional ways you can save each and every day!
Every penny saved adds up for your other money goals.
Have you ever experiences a debt free Christmas! Let me tell you… it is fabulous to not have the financial hangover come January.
Learn the tricks and secrets for a debt free Christmas.
Plus you can implement these money tips to use all year around.
In this post, you will find specific money saving challenges for Christmas!
These 52 week money saving challenges are super popular!
Choose from nine different amounts to start saving for today.
In all honesty, most of the amounts are higher than the average Christmas. But you can always save money for another purpose like retirement or vacation.
Prefer to save money on a monthly basis.
Then, check out one of these money saving challenges. Pay yourself first and stress less.
An income gives you the money for your expenses. However, there are times that you need extra cash for the fun things in life.
Christmas is one place where an extra $500-1000 will make a huge difference.
Learn how to make money for Christmas fast!
You don’t want to miss this money making ideas!
These are tested and proven ways to make money fast.
An extra $100-500 will help your Christmas budget extensively.
Plus many are super easy and don’t take much of your time. (Hint: many are ways you shop online anyway!)
Learn how to make 300 dollars fast and earn extra cash- just in time for Christmas.
This guide will cover the 35 ways of earning extra money in your free time, at home, or online.
Are you looking for ways how to make 500 dollars fast before Christmas?
If so, you’ve come to the right place. In this guide, you’ll learn how to earn money quickly and easily by doing things by simple tasks.
Learn how to turn 100 into 1000 through a series of easy steps.
This is exactly what you need to do to have money for Christmas gifts.
These simple, yet powerful steps will help you make more money and live a better life.
This is the FUN PART! Time to figure out where to start shopping and buy the perfect Christmas gift.
But, wait, before you head out and start your shopping, you need these Christmas spending tips.
They will probably change or at least re-think how you plan to spend money this season.
I have seen and heard from many of you that you are interested in saving money and spending less.
So, today, we are going to look ahead to how you can celebrate the holidays with less money, but still as festive.
This idea of a no gift Christmas may not be a fan favorite with everyone but you will save money and enjoy the holidays.
Whether you’re looking to switch things up or keep your budget real, you’ll find something here!
I’ll be honest. Christmas in America is quite excessive with the amount of time, money, and energy is spent. In addition, most people are stressed to the max making the Pinterest perfect holiday.
In this post, Money Bliss will cover how it is okay to SAY NO and spend ZERO this year.
You will end up with different Christmas traditions. That is okay because it will help you stay focused on your long term aspirations.
Hint: Expensive gifts are necessary. Gifts from the heart and made from love are priceless.
We live in a spending society. It is hard to be cross-culture when everyone around you spends like they have a rich sugar daddy (too many times, it is actually credit card debt).
In this post, learn the smart and savvy ways to spend less at Christmas and still give real gifts.
Photo Credit:
moneybliss.org
Don’t start Christmas shopping until you read this post.
You will be shocked to learn how simple these money saving tips are. But, we normally are looking through the rearview mirror at our spending habits.
Be prepared with these tips and you list BEFORE you start shopping!
This is the culmination of all of your efforts in planning, saving, and budgeting. Maybe you need a few last-minute gifts that won’t break the bank. Either way, Money Bliss has you covered.
Can you give the presents that your heart truly desires?
Here are the best Christmas gift ideas:
Looking for the perfect gift? Check out our list of the best consumable gifts!
This is a gift that can be used up one way or another.
Find ideas from clothing and home goods to drinks and food, we’ve got you covered.
Money gift ideas are perfect for any occasion!
Learn how to wrap money as a gift.
These are cute ideas for giving money. Always a huge hit!
Too many times, we are under the false assumption that material gifts are the only types of gifts to give.
This post will teach you why giving gift experiences are a great idea for gift giving.
Change your perspective and enjoy the season.
Honestly, it will change your whole concept of spending money year around and then you can truly consider what you want from life and how you spend your time.
You never want to utter the words… “I’m broke.”
It is embarrassing that you don’t have the money to spend on gifts (especially for the ones you love).
The good news alert here… You don’t have to spend a fortune on some really awesome gifts!
We want to give gifts that are thoughtful, stylish, and affordable.
These cheap Christmas gifts offer ideas plus are inexpensive to buy.
More Christmas ideas than you can imagine! Plus delivered straight to your doorstep or the recipient!
The holidays are coming up, which means it’s time to start thinking about what gifts you’re going to give your coworkers. But with a tight budget and limited resources, finding the perfect gift that won’t break the bank can be tough.
To help, we’ve put together an extensive list of 25 inexpensive gifts that your coworkers will actually like!
Kids love to receive gifts at Christmas!
This list will make sure you spend your hard-earned money on practical gift ideas that the toddlers, children, preteens, and teens will love.
Looking for the perfect gift for a young person who has everything?
Check out our list of 35 cool gifts for kids who have everything! These creative gifts include unique toys and non-toy ideas.
From toys to clothing to experiences, there’s something for everyone on this list.
Have you noticed a trend while reading this ultimate guide to spending less at Christmas? There are so many ways to save money and you need that when it comes to kids.
These gift ideas focus on hands-on learning – no screen time needed.
Oh, this list is totally KID APPROVED!
Made with love by my kids!
Parents, forward this to your family who loves to spoil your kids!
I wish I had the courage and strength to say something when my kids were younger. Instead, I have memories of trying to manage and clean up too many toys than they ever needed.
These are great ideas that will create memories for children, parents, and the gift-giver too!
How will You Spend Your Christmas Money Saved?
Instead of worrying about how much money is appropriate for a Christmas gift, you learned you to spend your Christmas money that you set aside.
Don’t let the spirit of Christmas ruin your personal finances!
This is the time of year to prove to yourself that you can implement a few money management tricks and be very successful.
Just like with personal finances, by making a plan for your Christmas money ends with better results than living paycheck to paycheck.
Enjoy the season knowing you can stay debt free and keep reaching your money goals!
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
While not all of Gen Z may be financially ready or old enough to buy a home, many are exploring their options, making it essential to understand the basics of real estate to navigate these decisions wisely. Here’s our guide to the basics you should know about the home-buying process, once you’re ready to make the plunge.
When Is The Best Time To Buy?
Choosing the best moment to buy might be difficult. The financial turmoil of the 2007-2008 housing crisis and the dangers of purchasing a home at the wrong time —and with inadequate funds—are vivid memories for a large number of Millennials and Gen Zers. But instead of letting that deter you from making a purchase, it’s crucial to take some time to consider your unique situation and gain as much knowledge as you can about the process.
The best time to buy a home largely comes down to individual circumstances and your financial readiness. Ensure you have a stable income, manageable debt levels, and a good credit score before browsing for homes.
You’ll also want to stay on top of local market conditions. Some useful questions to ask a real estate professional include how recent trends in interest rates might impact mortgage affordability, what the current competition is like for homes in your desired area, and what the typical closing costs and timelines are for home purchases in your city. These factors can all influence the timing and success of your home purchase.
Employment History
From the standpoint of the lender, as well as to make sure you’ll be prepared for the financial demands of homeownership, a consistent work history is crucial. Even though a lot of lenders demand two years of prior work experience, keep in mind that a college education can contribute to that ideal pattern. Past tax returns and profit and loss statements are necessary for self-employed or gig workers to prove a steady income.
Credit Scores
Make sure your credit score is as high as it can be if you haven’t already. Get copies of your credit report as soon as possible from all of the main reporting organizations. Pay your debts off, pay your obligations on time, and make sure your credit report is accurate.
Evaluate Your Expectations
A good real estate agent will help you determine what is essential and what is optional. Recall that your first house is just a place to start when building equity; it doesn’t have to be your permanent residence. Being flexible with your expectations and keeping an open mind can give you an advantage when looking for a home. You could also think about less expensive places, out of big cities and wealthier communities. This will likely decrease your cost of living as well, even by just a bit. Even a slightly lower monthly mortgage payment can make a significant difference in your budget and overall affordability.
Tax-Free Savings Account
Invest in a TFSA to increase your tax-free savings for a down payment on a house. There is no tax on any interest, dividends, or capital gains received within the account. To increase your savings in a tax-efficient manner, take advantage of employer-sponsored retirement programs like RRSPs (Registered Retirement Savings programs). On payday, schedule automatic transfers from your bank account. Ten percent of your wage, for example, is a good starting point, and you can raise it gradually over time. By doing this, you’ll be able to monitor your development and keep the money for other needs.
Are you looking to enter the real estate market this summer? Give us a call today! One of the experienced agents at Zoocasa will be more than happy to help you through the exciting home-buying process!
Looking for your dream home?
Contact us today to talk to a Realtor in your area
Although the perfect day may not look the same to everyone, we’re pretty confident we’ve put together a great choose-your-own-adventure itinerary for great things to do in Salt Lake City, UT. Whether you’re visiting on vacay or just moved into your new SLC apartment, peruse this guide for having the best day ever. Imagine that classic rom-com music playing (or actually put it on as you go about the day) as you enjoy these 24 hours in Salt Lake City. And who knows, maybe you’ll enjoy our recommendations so much you’ll want to move into a new home in SLC if you haven’t already.
The first step to the perfect Salt Lake City day is by stopping at a local coffee shop and fueling up. We’ve outlined a robust day so you may need some caffeine, but if that’s not your style, a pastry for breakfast never hurt anyone.
In the heart of Salt Lake Valley, Honeysuckle Coffee Co. has two locations to choose from for your morning meal. With their specialty coffee and tea beverages, house-made pastries, and light brunch items, you’re sure to find something to enjoy. The perfect start to your day begins with “relaxing on one of the patios with an iced lavender latte and avocado toast under a striped umbrella, shaded from the sun,” describes owner Jennifer Biffert.
If you’re located in the West Jordan area, stop by Canyons Coffee for your morning sip. “Their outdoor seating is the perfect place to sip an iced latte or espresso tonic as you chat with a friend,” says co-owner Steven Swank. Espresso tonics are extremely ‘in’ right now, but they also have several classics to choose from and enjoy.
Photo courtesy of Canyons Coffee
“Located on the 900 line in Downtown Salt Lake, Loki Coffee is your friendly neighborhood specialty coffee shop serving up your classic coffee & espresso drinks,” says Loki’s Helen. Here you can find an array of pastries, breakfast items, desserts, and seasonal and signature drinks alongside a serving of hospitality and community. If you happen to have more time in your day or don’t see something that piques your interest in this itinerary, consider coming back here for one of their classes, community bike rides, coffee demos, or other community-focused events.
For the first half of the afternoon, pick a Salt Lake City neighborhood and explore! Pop into local shops for a new outfit, gifts for friends back home, or decor for your SLC rental home, grab another coffee (we don’t judge), and really get a sense of the unique character each neighborhood offers.
According to Steven Vargo of Vargo Photography, “Locals know 900 South is where it’s at.” He suggests a walk or bike ride (easy to rent) along the newly paved bike paths to explore all this long street has to offer. His favorites include The Pearl, Water Witch, and Central 9th Market for food or drink, The Stockist, Acre, and Essential Photo Supply for shopping, and Liberty Park, The Whale Art Installation Roundabout, Tracy Aviary, and 9th West Peace Gardens for things to see.
If you’re looking to explore a more “hippie” area with that Salt Lake artisan flair, look no further than the Sugar House District. This area has incredible local art galleries, bookstores, and boutiques to explore – all of which have that diverse and eclectic feel. For a break in between stores or after a little shopping extravaganza, stopping at Sugar House Park is a must. This park features several acres of luscious hills, trees, a picturesque lake, and a gorgeous view of the Wasatch Mountains making it the perfect afternoon spot.
Located in Downtown Salt Lake City, the Historic Trolley Square is a great way to spend the afternoon. Originally the home of the Utah Light and Rail Company’s trolley cars, this area now features several stores while also maintaining the beautiful architecture, nostalgic ambiance, and preserved history of the area. While we of course recommend strolling in and out of local boutiques, we can’t suggest paying a visit to the Trolley History Museum or taking a tour of the Trolley Square Tower enough.
After hours of exploring, it’s time to stop for a break and recharge (yourself and your cell phone). Although there are several sweet little treats and sweet little spots to choose from, try one of the options below!
Sweet sodas
Utah is known for its soda shops, so stopping for a fizzy drink is a must. Thirst Drinks is a SLC staple and has been in the community for over eight years. Located in the heart of Downtown Salt Lake City, this shop not only has mixed sodas, but also some tasty bites like fresh baked soft pretzels, beignets, and popcorn (which is free)!
Photo courtesy of Thirst Drinks
In the walkable Harvard/Yale neighborhood, Crema Coffee & Soda is a hub for residents. This spot serves up infamous Utah dirty sodas alongside locally roasted coffees, espressos, and a variety of treats. “With its cozy outdoor patio and convenient drive-thru, Crema has a combination of offerings that is sure to delight,” says Crema’s John.
If you’re looking for even more of a grab-and-go option, you can pick up SodaBeers at all local grocery stores and head to a park to decompress and recharge for the next activity. These alcohol-free craft sodas are a local favorite that offer a “taste of tradition and community spirit in every sip,” says CEO Ashley Simmons. She especially recommends their award-winning apple flavor to enjoy on your perfect day.
Best (alcoholic) bevies
If you’re more in the mood for an alcoholic beer or cocktail, we have a couple great spots to head to – as long as you’re over 21. These spots are uber fun and the perfect way to enjoy your day the adult way.
Our first recommendation is none other than Kiitos Brewing in Downtown Salt Lake City. Blogger Georgina D’Angelo of Alpacka My Bags notes that Kiitos Brewing is the perfect place to wind down: “with a wide selection of beers brewed in-house and friendly staff, Kiitos offers a relaxed, welcoming atmosphere.” This spot also has a variety of pinball machines to enjoy alongside your brew.
Photo courtesy of Alpacka My Bags
If you’re craving something a little more upscale or want to bar-hop, we suggest stopping by UnderCurrent Bar. Also just a couple blocks outside Downtown Salt Lake City, UnderCurrent is a casual bar with an original and classic cocktail program. “We feature seasonal craft cocktails, a unique spirit collection, oysters, and other small bites,” says general manager Lyssa Story. We especially recommend checking out their Farmers Market Series for drinks and dishes made with local ingredients, but be warned, you may not be able to get your new favorite cocktail again since this menu rotates weekly.
In our eyes, the perfect day includes a little bit of art. After all, art is such a great way to immerse yourself in a city’s culture. Whether it’s taking a class to learn a new craft or catching a show to get a feel of the local music scene, taking a moment for art is a great way to start winding down the day.
Create at a community art class
With several different art options to choose from, The Art Cottage is the perfect way to spend part of your day. Located at the Gardner Village Shopping Center in West Jordan, this charming art studio “provide(s) art classes for all ages, fun paint parties, and delicious gelato to enjoy,” says owner Kayley Miller. They offer a variety of classes like watercolor, acrylic, and clay alongside unique and affordable art, art-related gifts, and art kits if you want to take some of that art magic back home with you.
Photo courtesy of The Art Cottage
Located in the Rose Park neighborhood, the Clever Cucumber is Salt Lake City’s free community art studio. Available to all, they invite you to “come work on any creative project in the company of new friends during Open Studio, or try one of their classes like stained glass or printmaking,” says director and teaching artist Kate Jarman Gates. If a class isn’t your speed for the day, they have a “free makerspace full of unique equipment and supplies, and a professional artist always on hand to help,” making it the perfect place to let your creativity run free.
See a stunning show
For all you music lovers, the Sandy Amphitheater is THE place in SLC for a concert experience. This venue “offers a wide variety of concerts and events not found anywhere else in Utah – from large national tours and music icons, to local music artists, to free community events,” says Elyse George, head of marketing and development. This venue is not only an award-winning outdoor amphitheater, but also has stunning views of the “Wasatch Mountains to the east and…sunset over the Salt Lake Valley to the west.” Whether you’re into rock or indie, you’re sure to enjoy the show as there really isn’t a bad seat in the house.
Photo courtesy of Sandy Amphitheater
We assume the day’s activities have worked up quite the appetite, so our last stop is supper. We’ve compiled six great dining options below, but feel free to pick two and go to one earlier for lunch instead – after all, it’s your perfect Salt Lake City day.
Our first restaurant recommendation comes from SLC Bookkeeping, a Salt Lake City bookkeeping service. Marketing director Austin Walker raves about Red Iguana on North Temple, especially for large dinners: “Their food is incredible. We purchase mole by the bucket. Even if there is a wait, so what? It’s absolutely worth it every. Single. Time.” Voted the best Mexican restaurant in SLC 25 years in a row, this spot not only serves the especially coveted mole, but also authentic Mexican food and killer cocktails.
If you’re more in the mood for Italian, Caffé Molise in Downtown Salt Lake City is truly one of the best. Great for both lunch and dinner, this place offers “fresh Italian cuisine inspired by the Molise region of Italy since 1993,” according to Caffé Molise management’s Carol. This full service restaurant focuses on regional specialties and uses local ingredients. Whether you’re at a table in the dining room or on the garden patio, we especially recommend hitting up this place on a Friday evening for their live jazz with the John Flanders Trio. You really can’t go wrong with a great Italian dish, a glass of wine (if you’re drinking), and some smooth jazz.
Photo courtesy of Caffé Molise
The SLC Eatery located in Downtown Salt Lake City has a rotating menu full of flavor. This small local restaurant creates contemporary comfort food like ricotta dumplings, french onion croquettes, and yuzu curd cake to name a few. If you can’t make it for dinner, they also offer brunch with favorites such as their Utah scone, kimchi rice bowl, and tres leches french toast. With their tasty menu, you’re sure to find something you love– and maybe are willing to share with your dinner/brunch partners.
Wherever your day leads you, Taqueria 27 has your Mexican cravings covered with five locations across the Wasatch front. This joint makes a point to use fresh ingredients with their cooks preparing meals fresh to order. We especially recommend checking out their taco bar and peeping at their taco, guacamole, cocktail, and dessert of the day.
Located in the 9th and 9th neighborhood, Pago has been serving seasonal New American Cuisine since 2009. Their innovative farm-to-table cuisine and world-class wine program has earned them several local and national titles like Best Wine Restaurants in the Country (from Wine Enthusiast) and Best Restaurant in Utah (from SL Magazine). This place celebrates small production, local ingredients, and sustainability which can be seen through every incredible dish.
Photo courtesy of Pago
Our last dinner recommendation is none other than Zest Kitchen & Bar located in Downtown Salt Lake City. We especially suggest this place if you subscribe to the vegan lifestyle since they offer healthy plant-based fare made with fresh locally sourced ingredients. If you’re dining alfresco in their outdoor space, owner Rahul Vaidya assures that your thirst will be quenched with their array of freshly squeezed juices or craft cocktails. He also suggests “treat[ing] yourself to our decadent dairy-free desserts,” like strawberry bundt cake or chocolate raspberry tart to finish your meal on a sweet note.
We hope you enjoyed our recommendations and found some things to do in Salt Lake City, Utah. Whether you’ve purchased a new trinket in 900 South, got a sugar rush from a soda, learned a new art skill, or have some dinner leftovers for later, our aim is that your main takeaway was some unforgettable memories. So, if you’ve lived in SLC for ages, just moved, want to (we’d love to help), or were just visiting, we’re happy to have played a role in your perfect Salt Lake City day.
Inside: These festive money saving ideas you need to have a magical frugal Christmas! Rediscovering a Christmas with no money is still possible with a little bit of planning, fun, and creativity.
Just like throughout the year, the word frugal can have a bad connotation. When you put the two words together – Frugal Christmas, most people think of a sad holiday with no joy or excitement.
However, just like with a frugal lifestyle, being frugal means you are looking to stretch your dollar to the fullest.
A frugal Christmas means to be economical with the spending of your Christmas funds. You prudently set money aside for Christmas ahead of time, but remember your overall money goals. When it is time to buy Christmas gifts and decor, you are not wasteful with your money and make your money go further.
Everyone’s level of frugality is different.
The same holds true at Christmas. Your frugal Christmas will look different than your neighbor’s or a friend’s. There is no reason to trap yourself in a comparison mode.
Why a Frugal Christmas Traditions Matter?
If you are looking at Christmas with no money, don’t despair! There are plenty of money saving tips in this post to make sure you still enjoy a festive season.
If you want to stay on course to pay off debt or reach FI, then a frugal Christmas would be part of your innate nature to do. You just need some frugal living tips related to Christmas.
You can create a magical frugal Christmas.
More importantly, these frugal money saving ideas for Christmas will help you stick with your budgeting goals and lower your stress level.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
How to Survive Christmas with No Money
Before we just into the Christmas frugal living tips, let’s discuss the big elephant in the room… what if you can’t afford Christmas gifts?
First of all, that is an unfortunate circumstance that you are in right now. I say “right now” because you have the power to dictate your future.
And it all starts with your mindset… you are focused on surviving Christmas with no money.
Not the fact that you are surrounded by your loved ones. With the chance, to enjoy time together, laugh together, create traditions, and make memories.
That is what Christmas is about.
So, before you move forward, you need to change your mindset. Your current money mindset is focused on having no money, being poor, and being broke.
If you want to change your financial future, then it all starts with your thoughts consuming your mind.
Start with writing down three positive things that happen in each of your days. Make sure one of them is related to money.
Frugal Christmas Tips & Money Saving Ideas
Okay, now, we are going to dig into specify ways to make a frugal Christmas a reality.
These are frugal traits that will improve your money management throughout the holiday season, but you can also start to carry these over to all aspects of your life.
To keep in the spirit of Christmas, let’s dig in and learn how to create a frugal Christmas that won’t leave you broke!
1. Focus on the Important Things
When you make the conscious decision to become more frugal, your center of attention is on the bigger picture.
For a frugal person, they view Christmas as part of a bigger puzzle. Their spending at Christmas needs to align with their money goals and desires.
This is the point when you must ask yourself the hard questions… Would you rather stay on track to pay off debt faster? Keep on saving money so you can take some time off next summer.
These are where you decide what is important in your life.
Just to be clear, I am not saying Christmas isn’t important because it definitely is. I am saying the Christmas that has been defined in our culture that focuses on gifts may not be the overarching focus of Christmas.
2. Plan to Spend Half of “Normal”
Did you know most people plan to spend an AVERAGE of $800-900 on Christmas?
For most folks, that will break any budget with a lot of debt hangover coming in January.
Challenge yourself to a Frugal Christmas of $400 or less.
When you create your frugal Christmas budget, plan to spend half of what you did the previous year. Don’t know how much you spent previously, then stick to the $400 or less.
If you are tempted to overspend, then set your budget at $200.
Now, you need to use Christmas budget template to plan your gifts into your budget.
3. Make Your Frugal Christmas Plan
Now, that you know how much you can spend on Christmas, you must make your budget line up with your gifts, Christmas decors, parties, etc.
This step is often overlooked and we typically fly by the seat of our pants.
However, one of the best money management tips is to plan how you will spend your money before you start spending anything!
In our free printables areas, we have worksheets and spreadsheets to help you.
Also, this is the chance, to be honest with friends and family about your desires for a frugal or no money Christmas. You have the time to plan a no gift holiday, gift exchange of unwanted items, etc.
4. Ask Around for Gifts
Oh my goodness! This is seriously my favorite money saving idea all year round.
Ask around and see what others don’t want anymore.
Another man’s trash is the next man’s treasure.
A recent example in my life… Someone posted in our NextDoor group that they were looking for fly fishing equipment. I politely responded that once the original poster got what they needed I would be interested in anything leftover since my hubby took up this hobby. A neighbor messaged me and we got a bunch of fly fishing equipment for a fraction of the price.
You can always find Christmas decorations and maybe even gifts for no money.
Don’t be afraid to post in Facebook groups or NextDoor. Search Craigslist or thrift stores. You will be AMAZED by what people are happily willing to get rid of.
5. Shop Based on Price
This is where you go into the store and look for gifts that can suit those on your list – more importantly, at your price level.
This is a great chance to pick up items on clearance or deeply discounted sale.
For instance, my son loved LEGOS (okay, what boy doesn’t go through that phase) and they can get quite expensive. Throughout the year, I would always look for LEGOS when they were on sale or being discontinued. This is one example of enjoying a frugal Christmas
6. Creative with Gift Exchanges
With gift exchanges, you don’t need to go out and buy a brand new present. This is a chance to find something in your house that will make a great gift for someone else.
Here are various types of gift exchanges that cost little or no money:
White elephant gift exchange
$5 gift exchanges
Unused item gift exchange
Cookie Exchange
Used toy, puzzle, or book exchange
Coffee mug exchange
Charity donation exchange
Craft supply gift exchange
Dollar Store Finds Gift Exchange
Fabulously fashionable clothing exchange
Dropped that hobby gift exchange
There are just a few ideas on how you can get creative with holding gift exchanges. Not everything must be expensive to be an awesome winner!
7. Buy in Bulk and Divide Up for Gifts
A frugal trait is buying things in bulk to save money. When the holidays roll around, this is where you use your DIY skills to come up with frugal Christmas gifts.
If you find a lot of people on your list to buy small gifts for, you can create nice packages of presents to give. Typically, these holiday gifts are ideal for teachers, neighbors, co-workers or other special people that you want to wish a Merry Christmas.
For example, you can buy scented candles in bulk and wrap a beautiful bow on the glass jar. That is an easy way to divide them up for multiple gifts.
Another idea is to buy Christmas treat bags and divide up assorted miniature candies to quickly put together many small presents.
These are ideal gifts because they are thoughtful, but also budget-friendly.
8. Plan At-Home Parties
One of the most expensive areas for any budget is entertainment and eating out. The same holds true at Christmas.
To combat extra costs, plan at-home parties where you can control the prices of food, drinks, and decor. And as a bonus, your friends and family may be relieved to spend less as well!
You can hold a potluck or cookie exchange for a fraction of the price of a night out or booked Christmas party.
There are plenty of ways to make it fun. You can still have cocktail hour with the festive dresses that are already in your closet. Don’t have something to wear – pretend you’re a teenager and shop your friend’s closets!
9. Stop Christmas Shopping
When you are done, you are done Christmas shopping. Block your eyes and ears from all of the last minute shopping and stocking stuffers.
One of the frugality traits is to make a plan for your money and stick to it.
Remember, marketers are good at their job of getting you to open up your wallet and spend money. Be stronger and stop shopping for the holidays.
Don’t go over your Christmas budget and your plan.
10. Track How Much You Save
Every frugal person likes to know how much they save.
Not everyone likes numbers, but it is pretty motivating to see how much you save.
With a financial freedom mindset, you know that every penny saved is a penny earned.
This is where you realize your out-of-the-box thinking to create a frugal Christmas is worth the time and effort. You can see your savings on the gifts, decor, and thinking adds up.
Bonus Tip: Eliminate the Stress
One of the traits of becoming frugal comes with learning to live with less. It doesn’t have to be full minimalism. A better term is living simply.
The more you do around Christmas (buying gifts, putting up decor, hosting parties, attending parties, participating in cookie exchanges, cleaning for guests, traveling for events, the list can go on and on) will cause stress.
Look for ways to take a step back and focus on what is most important to you.
That was the first tip mentioned in this post because it is the one that is overlooked the most often. You don’t decide what you want Christmas to look like. You let others and life decide how your month of December rolls out.
Eliminate the undue stress surrounding the Christmas season.
Frugal Christmas Ideas for Kids When You Have No Money for Gifts
Okay, we are going to spend a little more time around one area that causes us the most stress around the holidays – giving gifts.
There is extreme pressure to provide the Pinterest-perfect, movie-ready, Insta story each and every year.
Regardless of what you spend on Christmas, you will never be able to live up to the self-created expectations you put on yourself.
Just remember that statement when you have no money for gifts.
This is where you get super creative and honest with your loved ones.
Be Honest with Your Finances
The first step is to be completely honest with your financial situation at the moment. You aren’t looking for handouts. You just want a dose of empathy and maybe a hug.
Just like everyone else, you want to give your family the world and shower them with gifts.
However, the center of Christmas is coming together as a family and spending time together. You don’t need money for that.
Time for Creativity and Maybe a Little DIY Christmas
This is where you get creative and start digging to find gifts.
Unfortunately for society, we are flooded with materialistic items. (Just look at any donation center or walk around on trash day.) There are plenty of gifts floating around that would cost you no money.
Post in a No Buy Facebook group or Nextdoor and see if anyone is getting rid of what you want.
More than likely, you will find Christmas gifts for no money. Sometimes, you may have to a fraction of the retail price.
Another option is to use your DIY skills – learn to sew, knit, bake, etc. Give away some of your treasured handmade gifts.
No-Spend Christmas Activities
For frugal individuals, like me, the key enjoyment of the festive season does not rely on these costly aspects, but rather on the spirit of unity, shared experiences, and thoughtful gestures. This is where the concept of ‘No Gift Christmas‘ comes in, emphasizing value-driven festivities that foster warmth and happiness without the need to break the bank.
The good news is you can enjoy the holidays with plenty of things that don’t cost money.
Fun and Frugal Christmas Activities at Home
Enjoying a festive holiday season doesn’t have to break the bank. In fact, there are several fun and frugal Christmas activities you can do at home!
Roast marshmallows: Whether you have a fireplace or a stove, roasting marshmallows at home can be a delightful way to savor the season.
Christmas movie night: Why not curl up on the couch with some popcorn and a Christmas movie? Consider a crowd-pleaser like The Christmas Chronicles on Netflix.
Bake cookies: Get the whole family involved in baking and decorating Christmas cookies.
Make a popcorn garland: This is a festive and fun craft you can enjoy together and later use to decorate your Christmas tree.
Play Christmas Charades: Searching Google for free printable charade cards can give you a night of fun that is sure to create hilarious memories.
Hot Chocolate Night: Warm up and gather around with the sweet treat of homemade hot cocoa.
DIY Christmas Cards: Create and send handmade Christmas cards to local nursing homes or soldiers abroad. A personal touch to your season’s greetings will mean a lot to the recipients.
Christmas Light Scavenger Hunt: Turn your Christmas light viewing into an adventure! Print out a free scavenger hunt, bundle up, and enjoy a hands-on game during your neighborhood stroll. Remember, the true spirit of the holidays can be found in the joy of being together—not the amount of money spent.
Taking Advantage of Free Christmas Events in Your Town
There are usually plenty of free Christmas events in your town or city if you know where to look. Here are some festive events you can attend without spending a penny:
Visit the Christmas tree in your town square: Most towns have a community tree lighting ceremony that often includes free musical performances too.
Check out community holiday parades: Many towns host Christmas parades that are open and free to the public.
Look for free events at local libraries and community centers: Many libraries and community centers host free Christmas-themed activities for children, from story readings to crafts or even visits from Santa!
Go Caroling in your neighborhood: Gather your friends and family for a simple and heartwarming tradition of spreading Christmas cheer through carols.
Visit Church ceremonies: Attend church services or watch local choirs perform their favorite Christmas hymns.
Volunteering: Use the season of giving to volunteer at a local food bank, soup kitchen, or charity. It’s free and can be a rewarding experience.
Christmas Lights Tour: Drive around or take a leisurely evening stroll to enjoy the holiday light displays in your local neighborhoods. Remember to check your city or town’s events website for a complete schedule and details. The holiday spirit is abundant and can be found without breaking the bank.
For more ideas, check out the Christmas bucket list that has plenty of fun holiday-filled events.
Shopping Strategies for a Frugal Christmas
While we have plenty of tips for shopping smart on our website, we are going to focus on two areas when preparing Christmas for the frugal.
Tip #1 – Start Buying Christmas Stuff in January
Starting your Christmas shopping in January means you get to spread the cost over the whole year, taking advantage of these deep discounts.
It’s very budget-friendly and helps control the infamous last-minute Christmas shopping spree.
Now, it’s important to note that you should only buy items you are reasonably sure you will use the following Christmas, to avoid clutter or unneeded spending.
Expert Tip: make a list during the holidays of the items you need, so you know precisely what to look for in the January sales.
tip #2 – Using Money-Saving Apps for a Frugal Christmas
To save money while shopping for Christmas presents, consider using money-saving apps. These apps give you cash back, coupon codes, and discounts while you shop, reducing the overall cost of your purchases, and essentially making you “earn” while you spend.
Here are some trusty tools to help you achieve a frugal Christmas:
Rakuten (formerly Ebates): This cash back app provides discounts on purchases from thousands of retailers when you shop through its site or the app.
BeFrugal: This app offers coupons, promo codes, and cash back offers to save on everything you buy. Sign up here for your $10 bonus.
Ibotta: Ibotta allows you to earn cash back on everyday purchases online and in-store with a snap of your receipt.
Honey: Honey automatically searches and applies the best coupons when you shop online.
Hip2Save: This deal website and app posts about a wide range of heavily-discounted products, from toys to housewares. One of my favorites!
Bonus: Paribus: Although not exactly a cash back app, Paribus is worth mentioning as it scans your digital purchases, seeking price drops and getting you a refund if an item you’ve bought goes on sale or if it finds the same product cheaper elsewhere.
By keeping these apps at your fingertips and using them proactively, you can stretch your Christmas budget further and end the year on a high note, financially.
Ready to a Magical Frugal Christmas?
The best part of being frugal is focusing on what is most important and saving money along the way.
That is why frugal living tips are so very helpful!
As a frugal person, there are some years that we can have Christmas on very little money, and in other years, we choose to spend a little bit more. Never ever have we spent close to the average Christmas spending.
That right there my friend defines a frugal Christmas.
If you are still on the fence about a frugal Christmas and spending $400 or less, then let’s think about it like this…
For 20 years, you spend half of the average spending at Christmas time, you will save over $8000. That amount doesn’t include inflation.
So, you need to ask yourself, how much are you willing to spend on the Pinterest perfect Christmas? That spending must be able to be paid in cash in full – not charged to a credit card.
We have shared many frugal living tricks to make your Christmas magical. What else would you add to the list?
Happy frugal Christmas!
More Christmas Gift Ideas:
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. We may earn a commission from partner links on Newsweek, but commissions do not affect our editors’ opinions or evaluations.
Tim Maxwell
Mortgage Expert
Tim Maxwell is a freelance personal finance writer with over two decades of media experience. His work has been published in Bankrate, CBS News, Experian and other outlets. Tim is passionate about financial literacy and empowering people to take control of their finances. When he’s not writing or geeking out over his budget, he enjoys creating memories with his family in the Sierra Nevada mountains.
The goal of the group is to increase foot traffic to each location.
“Many of us have experienced shoppers who love our vintage options and want to know of other shops in the area,” Yingling said. “Things ebb and flow. I’m excited to have a few of the original shops back with us. Our downtown Miamisburg contingent is new this year. This is perfect for a group of ladies that want to go day-tripping in town.”
Also known as VSGD, participants belong to a one-year membership, and the seven members will be in place through June 2025.
The kick-off event for the group is a Christmas in July Shop Hop that will run the entire month of July. Visitors will receive Shop Hop passes for 10% off the total purchase at all participating stores.
“We encourage people to shop at small businesses, so the funds stay in the immediate area,” Yingling said. “It’s important to support our community. Christmas in July is so nostalgic, and I love the vintage aesthetic…it’s fun to get a sneak peak of the Christmas season.”
Molly Williams, owner of M & Co., is new to the vintage shop group.
“My shop is located in downtown Miamisburg,” Williams said. “People who like vintage can always find something they like in here. I really like the idea of the Shop Hop.”
Williams has been in business for seven years, and at the same location, and said people come into her shop daily, discovering it for the first time.
“I like the idea that you can go up to Tipp and Troy and all the way down to Miamisburg because every town has a little bit different personality,” she said. “It’s nice to know that you can go within a 20-mile radius of downtown Dayton and see so many different varieties of shops.”
Williams noted that today people are not about shopping as much as they are about experience.
“I want it to be a really good experience,” she said. “Everyone that has come in from other vintage shops have been the nicest, sweetest people. I really enjoy meeting them.”
Future plans for VSGD include a Shop Hop option for Christmas, which will run the entire month of December, and a Valentine’s Day Shop Hop that will run the entire month of February 2025.
The group is also a sponsoring of The City Mercantile Show, and will be featured during a Comfort & Joy Christmas Market event, which will be Nov. 15-17 at the Warren County Fairgrounds, 665 N. Broadway St., Lebanon.
The City Mercantile Show features an open-air market where shoppers can find vintage home décor, clothing, food and more.
“VSGD is one of the sponsors of the City Mercantile show and several VSGD members will have booths at the show,” Yingling said.
C & C Studios, who is the host shop for VSGD, recently opened a second location at Antiques Village, near I-675 and I-75.
“I really love the vintage antiques aspect of the business, and I also wanted to help gain exposure for the VSGD group,” Yingling said. “The Antique Village is open seven days a week, and that booth will offer more seasonal items.”
Yingling sums up this unique vintage group as a community collaboration for small shop owners.
“I know that these business owners are like minded and want to collaborate with other owners,” she said. “We do believe there is room for everyone at the table, no matter what type of vintage shop they have, and we’re stronger together than we are apart.”
For more information, visit facebook.com/vintageshopsofdayton.
Vintage Shops of Greater Dayton members
C & C Studios Vintage & Paper Goods, 101 E. Alex Bell Road, Suite 160, Centerville
C & C Studios Vintage & Paper Goods, Antiques Village, 651 Lyons Road, Dayton (booth at the corner of Main and 11th)
Southern Charm, 1209 E. Stroop Road, Kettering
M & Co., 48 S. Main St., Miamisburg
My Mother’s Memories, 19 W. Main St., Fairborn
Mike’s Vintage Toys, 508 E. 5th St., Dayton
Village Salvage, 85 S. Main St., Waynesville
Ohio Red Barn, 36B S. Main St., Miamisburg (until Sept. 15)
Ohio Red Barn, 46-50 S. 1st St., Miamisburg (after Oct. 1)