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Now, in a perfect world you start your Christmas fund January First by dividing up how much you wish to spend on Christmas into twelve and then stashing that amount into a fund you don’t touch until the Christmas season arrives.
But this is a far from perfect world. Unexpected bills come up, earnings go down, we find ourselves in a financial bind and usually one of the first parts of the budget to stop getting funded is the Christmas fund. Not only does it stop getting funded, but what we did manage to save gets used to pay daily bills.
If that is where you are at–don’t despair! You are not too late to fund the Christmas fund in a way that will create a Christmas to remember.
A Series That Will Help You Fund That Christmas Account
My Family’s Story
Many Christmases ago I pulled off Christmas for almost nothing. Our family had taken a big move that summer and it resulted in several big expenses. Plus, my husband was starting a new job as a Registered Nurse for the first time and therefore was earning an entry-level wage. I wasn’t working as we had just added a new baby to our family that June.
We had some medical bills come up and after praying over it I knew God wanted me to pay them with what little I had saved for Christmas. There I was mid-November with not a nickel saved for Christmas.
Yet come Christmas day, each of our three children had a gift from us, a gift from Santa and a stocking. My husband got a small gift from me and he gave me a few pieces of a Dollar Tree Christmas Village I had been eying. We had a very simple Christmas meal. The highlight of the day was the beautiful Christmas tree we got just in time for the big day for free.
How did I do it? I got very creative and thought outside the box and at the very last minute my husband got called in for an afternoon of overtime work and that paycheck arrived the day before Christmas. It helped pay for a few items I had not yet gotten.
If you don’t have the hope of overtime filling in the gaps for you, you can still pull off a Christmas to remember on a super tight budget, especially since now you have more possibilities available to you than I did those many years ago thanks to the explosion of the internet.
How To Plan A Christmas To Remember On A Super Tight Budget: The Series
Each Friday starting from today until the end of the year I am going to cover a way to either earn money for Christmas, stretch that money to buy as many Christmas gifts as you need and even how to create Christmas gifts without spending a penny.
The series will primarily cover Christmas gift giving since it tends to be the most expensive aspect of Christmas for most–but I have written about how to save money on other aspects of your Christmas budget and you can read those by going to my Thrifty Christmas Tips page and scrolling to the topic you are interested in.
Week One: September 30th—Introduction & Our Story (that would be today!)
Week Two: October 7th— Where To Earning Gift Cards For Fast Christmas Cash
Week Three: October 14—Where To Find Free & Low Cost Christmas Gifts That Rock!
Week Four: October 21—A Prioritized Christmas List–An Essential Item For Keeping Christmas Affordable
Week Five: October 28th—Half Of What You Need For Christmas You Already Own
Week Six: November 4th—Where To Resell Your Items Online For Quick Christmas Cash
Week Seven: November 11—How To Use Your Talents & Passions To Generate Christmas Cash
Week Eight: November 18th—25 Christmas Traditions For Families On Tight Budgets
Week Nine: November 25th—How To Hold An ‘Eat What You Have’ Week to Help Pad the Christmas Fund.
Week Ten: December 2nd—15 Websites & Apps That Will Save You Money On Your Christmas Shopping
Week Eleven: December 9th—7 Christmas Themed Swap-It Parties That Will Save You Money
Week Twelve: December 16th—22 Gifts You Can Make Using Ingredients Found In Your Kitchen
Week Thirteen: December 23rd—How To Give Acts Of Service Gifts People Will Really Use: No More Coupons
Week Fourteen: December 30th—6 Ways To Earn Money For Christmas All Year Long
Each time I publish the next week’s post I am going to come back here and create a live link to that post so that you can simply click on the week you want to read and be directed right to it, which means you are going to want to pin this post to one of your Pinterest boards so you can revisit it over and over.
You can also avoid missing out on future posts by clicking here and signing up for my weekly newsletter that contains links to the posts I have written each week.
If you don’t want to wait to get started, you can also download my free for subscribers mini eBook: Christmas On A Zero Budget: The Printable Plan. It contains many of the same topics I am covering in this series, just not as in-depth.