control-holiday-spendingAll the shiny things are in the stores! But we want to control our holiday spending, right? Because we still need to afford the rest of our life once Christmas is over.

Today I was in Lowes to buy sandpaper for the cat (it’s a long story and you really don’t want to know), and I took a moment to peruse their lovely holiday decorations.

They have a giant JOY sign that costs $1200. I mean, it’s huge. The letters are as tall as I am, maybe taller. It would look really cool in my front yard, BUT IT COSTS $1200.

Good grief.

It’s stuff like this that wreaks havoc at Christmastime. Of course we’d like the giant JOY sign. Of course we’d like to buy our friends and family everything they could dream of owning. Of course we’d like to put plane tickets to the Bahamas in our sister’s Christmas stocking!

But most of us can’t afford these things. And if you can afford these things, I bet you aren’t actually reading this blog post. You’re too busy rolling in your piles of gold coins.

The rest of us have to get a grip on our holiday spending or we’re going to be homeless and hungry in January. Here’s how we are going to do that.

We’re going to stay out of the stores. Instead, we’re going to go to the library to find excellent, free ideas for holiday fun. There are entire books on affordable holiday ideas! But mostly, we’re going to stay out of the stores. The marketing department of your favorite store has your number, sister. They want to control your holiday spending for you, and they know what makes your heart beat faster. They know what looks so beautiful to you, their ideal customer, that you lose your mind and whip out your credit card. Trust me, they’re way ahead of you. Stay out of their way because your mortgage company will not accept “but the JOY sign was so pretty” in lieu of a payment next month.

We’re going to do some math and figure out the Christmas budget. This is hard and ugly and might involve some crying when you realize you have $20 to spend for Christmas this year. You get an hour to be depressed, and then you will pull yourself together, be proud of yourself for accepting reality, and you will get creative.


We will have honest conversations with our loved ones. Maybe it’s our spouse, or our best friend, or our mom. This might be painful. But your loved ones would be horrified to know you’re spending holiday money you don’t have on them. Love them enough to be honest. And also, this honesty might be a life saver for them! Maybe they don’t have enough for Christmas this year, either. Maybe you can have a potluck night instead, or go to a free holiday concert together. But until we’re having honest conversations with our people, we won’t be able to take care of each other in the most loving ways.

We will remember that children do not need an explosion of presents on Christmas morning. If your kids are old enough to understand the concept, begin by helping them understand the family reality right now. They understand and can adapt far more than we give them credit for, and trust me, they’ll be able to feel your stress if you spend too much. Let their holiday be breezy and fun like it’s supposed to be. If your kid is too young to understand money or presents, then please, please, please, go to the thrift store and buy them a few delightful things. I swear to you they’ll never know the difference.

It doesn't have to look like this at your house.
It doesn’t have to look like this at your house.

We will go to church and remember that Christmas was never supposed to be about blinking lights and credit card debt. We will remember a tiny baby, placed in a manger, worshipped by shepherds from the hills. We will feel profoundly thankful and we will tell our Heavenly Father how wonderful he is.

I do know this– Christmas begins and ends in our hearts. If we’re miserable and sad, no amount of holiday spending will buy enough presents to fix us. But if we choose joy and simplicity, no lack of money can ruin the season for us.

So may we choose wisely, and may we choose joy!


I found a few ideas on Amazon. Maybe these will help! (*Affiliate link)

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