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16 Ways to Celebrate a Budget Christmas

16 Ways to Celebrate a Budget Christmas

Decorations

1. Decorate with what is meaningful to you

When you think about the real meaning behind Christmas decorations, they are used to add a festive touch according to your tastes and based on what the holiday means for you. Whether you believe in the religious roots of Christmas, or just like the magic of the whole season, pick your decorations to express that, without feeling pressure for more. You can’t compete with Martha Stewart or the big shopping malls, but you can choose what is displayed at your home. Below are some easy ways:

(i) Pick children’s favorite ornaments or toys to add to the tree or hang in their rooms

(ii) Make simple handmade tree trimmings

(iii) Choose a string of lights

If your budget Christmas has minimal or no allowance for decorations, choose a string of lights only. They will instantly make any room look Christmas-y

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(iv) Use Fresh greenery you find while walking out in nature or garden

2. Set the right atmosphere

Christmas is one of the most atmospheric times, when memories are recalled, scents encourage thoughts, and there’s a feeling in the air that makes everything seems possible. To make sure you will have a beautiful celebration at home, set the right atmosphere, by including warm and festive smells, cozy corners and of course the right tunes. You can do these:

(i) Play a CD or YouTube videos

(ii) Take out cozy blankets

(iii) Put a few spices and fruit simmering on the stove

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Activities

3. Plan family activities ahead

Include board games or classic group activities during and/or after the Christmas meal, to have something to look forward to and shift the focus from the food or the gifts. No one remembers how many side dishes they had last year, but memories from funny times and inside jokes created over board games are more likely to stay forever. Start brainstorming ideas beforehand and ask for everyone’s opinion on what they’d like to do. This also teaches your kids that family time needs planning too, same as presents and food. If you’re not really fond of games, looking at family photo albums would be lovely and fun too.

4. Cook together as a family

What you are serving on your table doesn’t matter if everyone is grumpy and disappointed or rushing to get to a party afterwards. A happy meal is made of happy sharing. To encourage more interaction and fun in your family, try to involve everyone with the food preparations. Even toddlers can help wash vegetables or cut cheese. Having everyone work as a team will ensure a fun time; just remember to ignore the mess and be more open to things not being done your way. In the end, all of you will appreciate the labor of love sitting on the table and might even linger a bit more sitting around and talking to each other, instead of heading for the phone or TV.

5. Stretch the joy in the whole season

Being on a budget sometimes means less things to look forward to, compared to old times. This can lead to a moody feeling. To avoid this, spread out the little things on different days leading to Christmas and leave some for after. There’s no reason why you can’t watch a movie every single day of December instead of doing a marathon night or why you can’t have a festive brunch on other days besides Christmas morning. You can also write everything on a calendar or put it on your advent, so each member of the family can look forward to some fun. Focusing on a couple of activities you enjoy most will create meaningful memories for your children.

Gatherings and social interaction

6. Create your own traditions

Traveling to celebrate with family and friends equals great holidays, but sometimes the high cost of flights, the bad weather and the full houses you visit aren’t worth it. If you are used to visiting your big families every year, stay at home this Christmas for a change. You might even like this more, but you have to try it. Prepare your children, if they have been looking forward to meeting their cousins all year long, by telling them you will be on a different adventure this year. Mention things like discovering your town, visiting different festive events and celebrating your own magical way at home. If you think about it, you’ve been leaving home every year, to be part of big loud tables, when you don’t always have the opportunity to spend productive time with those you care about most, or avoid relatives you don’t get along with. When you celebrate with a big crowd, you are often following others’ traditions and way of doing Christmas. Why not sit down and think how you really want to spend this holiday? Write a few thoughts and ask everyone in the family for one thing they’d like to do. Limit it to one thing or you’ll create unwanted stress. Be sure to balance quiet time with some fun and eventually create your own version of Christmas. If you like it, next year you can start inviting people over to your house, or go back to traveling if you realize that’s what your ideal Christmas looks like.

7. Show people your way of doing Christmas

Don’t sit there stressing about what others might think of you, especially if it’s the first time you’re doing a budget Christmas. Instead, make the first move and let them know about your decision to celebrate differently this year and tell them what to expect. You might even make them want to adopt your way or join you for some of the new activities. By letting people know your intentions, you will have fewer of them judge you or express disappointment later. Learning to say no to anything that doesn’t align with your intentions is one of the most common pieces of advice that experts give for having a stress-free holiday season.

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Food

8. Use all you have in your pantry

Doing a budget Christmas is a great opportunity to take out every food item from your fridge and cupboards. Make a rule of buying no food unless you have used everything you already have at home. Plan your meals around them and incorporate some in the festive meal too. You might come up with interesting combinations and new flavors.

9. Serve finger food

If you are having guests over, serve meatless dishes and a lot of appetizer-style ones. Small bites and finger food are child-friendly, too. Anything that can be served cold or at room temperature will cut your time.

10. Put a theme on it

To add interest to a simple celebration with minimal spending, put a theme on it and pay attention to adding a couple of details. Everything will look more exciting if it’s part of the “Christmas at the English pub” or “Beach-cottage Christmas”. Pasta, pie, sparkling water with lemon, or wine with sliced apples will never look more fancy than on your thematic gathering. A Subtle Revelry magazine founder and book author Victoria Hudgins is a big advocate of making everyday food festive with a few details added. Here are a few ideas to get inspired.

11. Same food, different way

You can totally cook your usual dishes for Christmas, with a slight variation in presentation. If you normally cut your roasted veggies in big chunks, cube them or slice them diagonally this time. You won’t believe what a difference such small trick makes. Make sure there are two or more colors in there for visual interest. On the same note, slice the meat thinly if you normally serve it whole.

Gifts

12. Teach children the joy of giving

A sudden Christmas without presents for a child used to getting 10 wrapped packages under the tree will be disappointing and dramatic. Instead of making drastic changes, slowly introduce new traditions to your children, while dropping old ones you don’t want to continue. Assign one person for each child and help them make or buy a gift for them. It can be a relative, a senior, or a struggling neighbor, but it is more real and encouraging when the child knows that person. The joy in their eyes when unwrapping presents under the Christmas tree might be less with fewer gifts. However, your children will get to know a deeper and longer-lasting joy, that of giving and sharing, which often wins over the joy of getting. The younger they are when you introduce this tradition, the easier it will be for you to establish more meaningful and non-materialistic Christmas celebrations. Joy Cho has been doing this with her three-year-old daughter since she was born.

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13. Re-gifting done right

If you haven’t already, start to embrace re-gifting right now. Even experts give it a thumbs up, as long as it’s done right. Ditch the guilt and the social embarrassment fear by following these simple tips:

  • Make sure you know who gave the item to you
  • Don’t re-gift it to someone related to the person who gave it to you
  • The item should be new and functioning
  • The person who will get it will love it and use it

14. Spend your time instead of money

Don’t spend a dime on wrapping paper or gift tags, fancy bottled beverages or anything you can make yourself easily. If you really want to commit to spending less this year, consider every coin you can save and be ready to spend a little more time making things. Also, follow the rule of one present per person only. You’d be surprised, but studies have led to the conclusion that a second gift actually lowers the value of the whole experience. It’s actually called the “Presenter’s Paradox”.

Where to start

15. Make a bouncy budget

As with every other aspect of your life, there’s no reason not to make a budget for Christmas. To avoid feeling like a Scrooge about it, bounce your categories. Pay attention to each of them and choose where you want to spend more and where you wouldn’t mind cutting back. For example, after the initial equal division between all categories, feel free to bounce some money from the food category to the gifts one, if you don’t want your kids to get disappointed, while you enjoy making food from scratch. Alter whatever works for you and bounce everything according to your needs, so everyone is content even on a budget.

16. Be honest about it

If the whole Christmas-celebration thing still looks intimidating to you, follow none of the above tips. Simply be honest with yourself and go through the reasons you need to do a budget Christmas this year. Be it financial problems or just the need to establish a more simplified and meaningful life, tell everyone in your family why you are doing it and you can all speed up the process of getting where you want to be together. Experts like Leo Batuta always advice to dig through the reality of your current life, in order to be able to achieve the changes you want. Get started with these five questions.
If you manage to establish healthy habits, try to continue them after Christmas too. Especially with kids, consistency is the key to sticking with new behaviors.

Go on and enjoy Christmas your own way! Don’t stress too much about pleasing everyone or getting the best gifts. Only you know what is best for your family right now. After all, every single study agrees that it’s the experiences that make us happy on the long run, rather than material objects. Focus on spending time with those who matter for you, rather than anxiously waiting for a January full of debt to come.

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Last Updated on April 3, 2019

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider Consolidating Multiple Credit Cards If Possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to Pay the Full Balance You Spent Each Month at the Very Least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay Extra When You Can – Every Small Amount Counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a Plan on How to Pay Extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out Costs for Services You Do Not Use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get Aggressive About It

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate Your Progress at Set Intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep Trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start Knocking out Your Debt Today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

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Featured photo credit: Pexels via pexels.com

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