Have Yourself a Thrifty Little ChristmasDaisy Luther Whatever your reason, this year, set your sights on having a Thrifty Little Christmas. The Budget First of all, you have to create a budget. Its easy if you have been putting aside money and saving up for the big event. Otherwise, see what amount you can spare, and then stick to it. Never, never, never put Christmas gifts on a credit card! I can think of no more horrible way to start a new year than opening astronomical bills that are incurring 18% interest. Here are a few tips to help you stick to the budget: Figure out what you can truly afford. Many of us dont have the means for a financial free-for-all with the justification that Christmas only comes once a year! Christmas might just come once but those credit card bills will keep on coming, every single month until theyre paid off, accumulating interest long after the gift has lost its charm. Make sure you pay your bills first, put aside a little money for an unexpected emergency, and have a stocked pantry of food before you go and spend hundreds or even thousands of dollars to fuel a 15 minute paper-tearing frenzy on Christmas morning. Use the envelope method. To do this, write the names of your gift recipients on envelopes. You can also include envelopes for groceries, decorating, and charitable giving. Into each envelope, place the designated amount of cash you intend to spend on each person or item. When you purchase something, place the receipt and the change into the envelope from whence the money came. The most important thing: When the money is gone, its gone! You dont get to top it up or buy one more thing. This is your limit. Decorating Are you sitting down? In 2011, Americans spent $6 billion on Christmas decorations. SIX BILLION DOLLARS. $6,000,000,000. Decorating doesnt have to be something from Lifestyles of the Rich and Famous. Here are some ways to pare down your decorating costs and still be festive. Use items from year to year. Artificial trees, lights, ornaments and wreaths can all be reused for decades if they are stored away carefully each year at the end of the season. In fact, the tradition of pulling out the same ornaments and telling the same stories each year can become a cherished one that is passed down for generations to come. Find inspiration in nature. Found objects can look lovely with a coating of white glue and granulated sugar. Sparkly spray paint can make nearly anything beautiful. Decorate using pine cones, branches, stones, and sprigs from evergreen trees. Add some glittery ribbons and a few inexpensive Christmas ornaments and you have uniquely beautiful decorations at a fraction of the cost of store-bought. Spend time together making decorations. With some simple craft supplies, you can combine the holiday decorating with quality time. Make and paint salt dough ornaments, string popcorn, and stud oranges with cloves. Use tissue paper, pipe cleaners and recycled household items to get creative with your kids. Gift-making There is nothing I love more than gifts that someone has made for me. I get all teary-eyed thinking about the time and effort that went into a present that is homemade. Every year a percentage of our gifts to one another are made by us, and we also like to give these kinds of gifts to neighbors, friends, and loved ones. Here are a few ideas for making presents: Cookies and baked goods. Whether its cliche or not, who doesnt love to get a basket of homemade cookies, a tin of brownies, or a little box of candy straight from the kitchen. Aside from sweets, you can also give jams, salsas, and home-canned treats. You can also mail these little tastes of home to friends and family who are far away. Its like opening a box full of hugs. Bath and products. These are really easy to make and can often be done completely with items from the pantry. Scented salts, body butters, and exfoliating scrubs are quick, easy, and very appreciated. Needlework. If you like to knit, sew, or crochet, make use of the time you spend watching Christmas movies to whip up some scarves or mittens. If you have cotton thread you can make lovely dishcloths and washcloths too. Other household items include holders for those plastic grocery bags, rag rugs, quilts, and embroidered pillowcases. Other crafts. Depending on your skill set and available supplies, the variety here is limitless. Consider woodwork, decoratively painted items, handcrafted jewelry, a piece of art, a framed photograph of a beloved place, little wee handprints in plasterthe list could go on infinitely. Coupon books. This is a family favorite. Write up coupons for different services that you can offer the recipient. Some ideas might be a night of babysitting, a homemade dinner, or painting the fence. Children can give be quiet coupons, chore coupons, and hug coupons. Helping others In our family, we make a point of spending an equal amount of money helping others. This is as important to us as the exchange of gifts between us. One particularly memorable year, when money was extremely tight, my daughters insisted that part of their very small gift budgets go to buy a gift for a child that might not get any other presents. The ranks of the less fortunate are increasing on a daily basis as the economy crumbles. There are many ways that you can give to others. Christmas memories Dont let the mainstream media and the advertisers tell you what the perfect Christmas is. Dont allow yourself to be pushed into spending money you dont have because the big corporations are telling you what you need or what material objects your children require to be happy. Make the holidays your own by creating memories, not debt. Think about the traditions that are the most important in your family. When your kids are grown and have children of their own, I guarantee you that they wont look back to Christmas 2013 and be able to list off all of the gifts that they did or did not receive. But theyll remember the annual hot-chocolate fueled drive to look at Christmas lights, caroling at the nursing home, and those cinnamon rolls that you make every Christmas morning. They wont forget the Christmas Eve church service in their fanciest clothing, the hymns sung in the crowded church, the traditional dish that you make every year, and the two day cookie baking marathon. The real memories are not things that can be wrapped in paper. The one thing that people always remember is how they feel. Dont make that feeling all about, Hey, look what I got! Embrace those who are dear to you and make that feeling love, peace, and joy, and you will have a better Christmas than any wealthy person sitting in a mansion surrounded by gifts he didnt need given by people he doesnt love. No matter how tight your money is this year (or if it isnt tight at all and youve just opted for simplicity) with an attitude of joy, the simplest of things can become magical. Daisy Luther is a freelance writer and editor. Her website, The Organic Prepper, offers information on healthy prepping, including premium nutritional choices, general wellness and non-tech solutions. You can follow Daisy on Facebook and Twitter, and you can email her at daisy@theorganicprepper.ca 