29 Ways To Enjoy Christmas On A Tight Budget:100 Days of Holiday Ideas (2024)

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If you’re worried how you’ll make ends meet or concerned you can’t give your family the kind of Christmas you really want to this year, don’t despair. I’ve got some great suggestions to help you have a great Christmas on a tight budget.Ideas your family will remember and cherish for years to come.

I remember all too well the first Christmas I had to really ‘tighten my belt.’ It was depressing partly because I didn’t understand then what I do now – that Christmas doesn’t have to be about elaborate gift giving.

When I was growing up, we were not wealthy. Far from it.

My parents sacrificed and struggled to give us a lovely Christmas each year. My sister and I typically got 6-8 gifts each and a stocking, and that was it. A far cry from the types of Christmases my daughter got used to.

Thinking back, it was still a great experience in part because I knew my parents did their best to give us some happiness at the holidays.

I’m sure you can to read this post hoping for something similar for your family.

These 29 ideas won’t cost a lot but will certainly make you feel good inside and won’t hurt your budget.

29 Ways To Enjoy Christmas On A Tight Budget:100 Days of Holiday Ideas (1)

29 Ways to Enjoy Christmas On A Tight Budget

1. Visit our 100 Days of Debt Free DIY Holiday Ideas for budget-friendly gift ideas, projects, and crafts.

2. Instead of gifts, how about a handwritten heartfelt letter to those you love. Purchase or make a personalized frame for a little something extra.

3. Every Christmas my parents would take us to look at the Christmas lights. Fill a jug with some delicious eggnog and head out to see the light displays in your area.

4. Shop consignment stores or sites like Craigslist for good quality used toys. You won’t believe what you can get in practically brand new condition if you look diligently.

5. Create a Values Based Christmas by centering your Christmas around family activities instead of gifts and goodies.

6. Send your Christmas letter and photo via email instead of regular mail.

7. Keep it Simple! No need for extravagance or to fall for the lie of commercialism this holiday season.

8. Have a homemade Christmas, where everything is homemade.

9. Make Homemade ornaments instead of buying them. Bath Salt Ornaments, Clothespin Snowflake Ornament, Scrabble Tile Ornament. For more ideas visit 100 Days of Holiday Ideas!

10. Host a Make Your Own Boxwood Tree party. Look for supplies during sales and save a bundle while having fun with friends and family.

11. Plan a scavenger hunt for the kids by hiding small gifts (gum, stickers, chalk, etc.) around the house.

12. Make donations in your family’s name instead of giving gifts.

13. Shop the many sales available during the holiday season.

29 Ways To Enjoy Christmas On A Tight Budget:100 Days of Holiday Ideas (2)

14. Make sure you’re getting the best real tree for the money. Then make sure you keep it lasting all season with these tips!

15. Decorate your tree with items you already have in your house. Use items like cranberries and popcorn (strung on thread and hung like garland).

16. Make and give yummy Christmas desserts as gifts. Here are just a few recipes to get you started: Red Pepper Jelly, Peppermint Meringue Cookies, Gingerbread Bundt Cake with Vanilla Icing.

17. Sell old toys/clothes to a local consignment store for extra cash for new gifts!

18. Go Christmas caroling as a family and make memories.

19. Do something for others: take Christmas cookies to the elderly in a nursing home.

20. Place fruit in the toe of Christmas stockings as a way to “fill up” the stocking in an unexpected way!

21. Make your own advent wreath and give small gifts daily up until Christmas Day. Start with this suggestion: Pottery Barn Knock Off Advent Wreath

22. Give a gratitude journal/notebook in which you document the multiple reasons you are grateful for that special person in your life as a gift. Or get my FREE journal page below.

23. Make homemade Christmas Decorations instead of the costly store-bought versions: Here are some great ideas: Snowflake Christmas Wreath, Peggy Bond’s Snowman Wreath, Snowy Mason Jar, Pinecone Kissing Ball

24. Regift appropriately. It’s not as taboo as you’d think as long as you follow certain criteria. Pinecone Kissing Ball

25. Do your holiday photo in “PJs” and save on expensive clothing.

26. Many stores offer Black Friday freebies. Get there early and be the first 100 to receive the free gift.

27. Save on your electric bill by decorating with ribbons and/or tinsel etc. and NOT lights on the house or tree.

28. Instead of buying a ton of gifts have the family just to do stocking stuffers and see how many cheap gifts you can fit into each stocking!

29. Start a new Christmas tradition! Find a way to create a new tradition for your family!

What other ideas do you have? Share them in the comments section so we can share the ideas! Just because your budget is tight and you’re having a low budget holiday this year, it doesn’t mean you’ll lose out on the fun and festivities.

29 Ways To Enjoy Christmas On A Tight Budget:100 Days of Holiday Ideas (3)

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29 Ways To Enjoy Christmas On A Tight Budget:100 Days of Holiday Ideas (2024)

FAQs

How to do Christmas on a very tight budget? ›

Start buying early. Your budget will greatly appreciate you buying one or two gifts each month all year, instead of waiting to buy it all during December. You can also take advantage of sales all year long! Don't forget to use cashback sites to get some money back on your shopping.

How do you celebrate Christmas when you have no money? ›

What To Do If You Have No Money For Christmas
  1. Ask friends and family to help. ...
  2. Ask someone else to host. ...
  3. Keep the celebrations small. ...
  4. Apply to Toy Appeals. ...
  5. Don't be afraid to say no. ...
  6. Don't be tempted by payday loans. ...
  7. Trim the kids' expectations. ...
  8. More money management tips this way.
Nov 26, 2023

How much of your income should you spend on Christmas? ›

In more normal times, the typical advice is that you should spend no more than 1% of your annual salary on holiday gifts and travel. That means that if you earn $50,000 per year, you should plan to spend about $500.

What is a reasonable budget for Christmas? ›

According to the National Retail Federation (NRF), the average American plans to spend $826 in 2022 on Christmas gifts, food, and decorations. Of that $826 dollars, around 500 are spent on gifts for family members. The most popular of these gifts are clothing, toys, and gift cards.

How do I not spend a lot of money for Christmas? ›

7 Ways to Avoid Overspending this Holiday Season
  1. Set a Budget. Before the holiday shopping season even begins, decide how much money you want to spend. ...
  2. Be Aware of Retail Tricks. ...
  3. Limit self-gifting. ...
  4. Cut down on convenience costs. ...
  5. Establish expectations early. ...
  6. Look for shortcuts to make travel cheaper. ...
  7. Track spending.

How can I spend December without money? ›

INVEST IN EXPERIENCES

Research shows that experiences—not merchandise—will bring more long-term happiness. Spend an evening caroling, watching old movies or playing board games with your loved ones. You won't spend much money at all, and you'll remember the time spent together long afterward.

How to do Christmas gifts when you're broke? ›

Whatever it is—that vase your friend always ogles or the book you just finished that's right up your sister's alley—share generously.
  1. Set a Date. ...
  2. Write "Just in Case" Letters. ...
  3. Share Mementos. ...
  4. Divulge Secret Recipes. ...
  5. Make DIY Art Supplies. ...
  6. Be a Sitter. ...
  7. Chart the Family Tree.
Nov 10, 2023

What to do if you have no one to spend Christmas with? ›

Start by embracing self-care, indulge in your favorite holiday activities, reach out to friends or online communities, or simply create new traditions. You're not alone in feeling alone on Christmas, and there are many ways to make the day special.

How much does the average middle class family spend on Christmas? ›

Average Christmas Spending Data

According to the latest data from the National Retail Federation (NRF), Americans spend an average of $997.73 each Christmas. That's approximately the same as the median pre-tax weekly salary of $1,001.

How much do parents spend on Christmas per child? ›

According to a November 2022 study, most parents are budgeting $220 for each child—with the highest budgets for 7 to 12-year-olds, though 28% of those surveyed are trying to keep it below $100.

How much does the average person spend on Christmas gifts each year? ›

Trend in November readings from 1999 to 2023 in average amount Americans expect to spend on Christmas gifts each year. Current $975 is up from $867 in 2022 and is the highest in the trend. The dollar estimate was over $800 in 2006 and 2007 before dropping during the recession to below $700.

How do you survive Christmas on a budget? ›

Christmas on a budget: top tips, statistics & alternatives
  1. Plan ahead before you hit the shops. Don't go into the crowds without a clear budget in mind. ...
  2. Agree on price limits for gifts. ...
  3. Be honest. ...
  4. Watch TV for free. ...
  5. Save on postage. ...
  6. Ask for advice. ...
  7. Loyalty cards. ...
  8. Give an experience.
Dec 10, 2023

What is the most given gift at Christmas? ›

Christmas gifts most desired by U.S. consumers in 2023
CharacteristicShare of respondents
Money (cash or transfer)43%
Vouchers / gift cards38%
Clothing, textiles, shoes35%
Cosmetics, perfume, body care24%
9 more rows
Nov 30, 2023

What holiday makes the most money? ›

Christmas is by far the largest holiday in terms of spending, which is why so many retailers rely on the fourth quarter retailing season to drive their earnings.

How much should you spend on your so for Christmas? ›

If you have been dating for less than a year, it is appropriate to spend a maximum of $50. A budget of around $100 is standard for longer relationships. If you're married, $100 is the median amount, and the top 25% of couples spend $300.

How can I make easy Christmas money? ›

Check out these ideas to make extra money for Christmas.
  1. Sell Your Old Clothes. Seriously, don't underestimate the clothing you have hanging up in your closet. ...
  2. Do Some Brand Ambassador Work. ...
  3. Offer Consulting Services. ...
  4. Freelance and Contract Work. ...
  5. Dog Walk or Pet Sit. ...
  6. Stack Your Earnings. ...
  7. Make Money Fast and On Your Own Terms.
Feb 27, 2024

How do I set aside money for Christmas? ›

You've got a limited amount of time to accumulate the funds you need, so start saving money for Christmas weekly. Divide the total you need by the number of weeks you have left. If you plan to spend $600 total on gifts, and you have 8 weeks to do your shopping, then you need to set aside an extra $75 per week.

How can I slow down and enjoy Christmas? ›

Here are 6 ideas to embrace if you're looking for calm and ease this holiday season.
  1. First, start by slowing down. Try slowing down everything – how you move, drive, think. ...
  2. Set boundaries, and guard them fiercely. ...
  3. Don't forget to rest. ...
  4. Simplify your schedule. ...
  5. Be Intentional with gift-giving. ...
  6. Have Fun!
Nov 26, 2023

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