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Today we are going to wrap up the final post in the 7 Ways to Pile Up Christmas Money series. If  you missed any part of the series, be sure to go back and read through all the ideas.  You’re sure to find something to put to use.

So far we have talked about ways to find money and ways to stretch that money across your list of giftees.  Now let’s talk about stretching your Christmas money by simplifying.

7 Ways to Pile Up Christmas Money Way #7 Simplify your Christmas gift giving

Living a simple life is a very popular theme these days.  And it’s no wonder, when you think about it.  People have so many items and events to keep track of in their daily lives.  It’s overwhelming.  And the holiday season just intensifies an already busy schedule.

You’ll have Christmas parties, school functions, canned food drives, concerts, family traditions, and more.  Many of these are worthy and important things to keep up with.  But that doesn’t make them less stressful.

So how can you simplify?

Simplify Christmas Events and To Dos

It’s time to sit down and create a list of the most important parts of the Christmas season for you and your loved ones. What events and items are musts for you to enjoy the season?

Some ideas to get you started include:

  • decorating the home (putting up the tree, hanging lights, etc.)
  • sending cards
  • caroling
  • making cookies
  • giving to food and coat drives for the needy
  • going to parties
  • events such as:
    • attending concerts
    • going to light shows or live nativity
    • parades
    • town festivals
  • and more!

Once you have written down your list of absolute musts, look back over it again.  Are any of those musts causing you stress just to think about them?  Consider why these things are stressful to you.

Sometimes a tradition just isn’t a good fit for your family anymore.  Remove what you can from your schedule.

Affordable Entertainment

Perhaps an event is a lot of fun for your family, but it costs a lot of money.  Is there a way to continue the tradition without the expense?  Look for discounted tickets or a similar event that is more affordable.

Often you can find cheap or free entertainment at local churches. Festivals, live nativities, and concerts are frugal fun.

Think Creatively!

Are cards important to your family?  Many people these days are happy to receive an ecard in their inbox rather than their mailbox.

If you prefer a physical card, be sure to shop the sales and get your cards made early in the season.  That way you can take advantage of the best prices.  Be sure to hand deliver cards to friends and family as you see them to save on postage.


If you love making cookies, keep a sharp eye out for sales.  This is the time of year when butter, flour, and many baked goods will be at the lowest prices of the year.  And if you can use the cookies as gifts for some of the people on your list, you can double up on the fun (and the to do list!).

Here’s a list of 9 Christmas Cookie & Candy Recipes You Will Love.

Clean Up

The holiday season is particularly busy for many shelters.  Before you shop the stores, check your closets for unneeded coats and clothing.   (Be sure it still has plenty of wear left!).

If you clean up the pantry and find 20 cans of perfectly good beans in the back, donate those.  That saves you from buying for the food drive.

Whatever savings you can find here is money you can apply to your Christmas present fund.

Simplify Your Shopping

The Fallacy of Fair

I have a bad tendency to think that a child needs “just one more gift” to round out their Christmas.  But what I’ve discovered is that far more often than not, that “one more gift” is never loved or enjoyed.

As parents, it’s easy to get tripped up on rules that we force upon ourselves.  We think we need to spend equal amounts of Christmas money on each child, or give the exact same number of gifts to each kid.  Or (to give ourselves the biggest headache ever) we try to do both at the same time!  It becomes a terrible game of catch up that you can’t win.

And then it turns out that the kids don’t notice any of those things anyway.

Honestly.  Ask your 5 year old how much a Barbie doll costs.  She’ll might say “20 cents” or “200 dollars”.  She has no clue.

After years of beating my head against the wall, I finally realized that every child is different.  They each have their own sets of wants and needs.  One child might receive a larger present this year, while the rest get several smaller items.  In the end, it will work itself out.

Teachable Moments

If your kids usually get a big pile of gifts, don’t spring the idea of simplifying on Christmas morning.  Begin early in the season to practice an attitude of gratitude.

Instead of circling everything in the Toys R Us catalog, have them consider what one item would mean the most to them.  (This might become a teachable moment, too, if the one item is an iPad and that’s not in the budget.)

I find that with a large pile of gifts, my kids toss each one aside carelessly in their excitement to open another.  But if there are only one or two gifts, they carefully open it and enjoy using whatever they receive.  (This works best if they are expecting only one gift, and I’ve encouraged gratitude.)

Consider the Recipient

Focus on what your recipient would really enjoy receiving.  Don’t worry about spending as much money as you can on each person. When you try to impress the other person with cost, you miss the chance to have a meaningful connection.

My brother enjoys cooking.  I could buy him an expensive skillet set.  Or I could pick up a cast iron skillet at Goodwill and reseason it for him. I know he enjoys cooking in cast iron. So while I might not spend as much, he will still like the gift and know that I was thinking of him.

That wraps up the 7 Ways to Pile Up Christmas Money Series!

I really enjoyed writing this series!  I hope you have found it helpful.  If you feel that I missed an important way to find money for Christmas presents, be sure you let us all know about it in the comment section.  I love learning from other frugalistas!  Have a great holiday season.

For more money saving tips, be sure to check out the 5 Ways We’ve Saved Money This Week series.  I add to this series every Friday, but you can read through the archives here.

5 Ways We've Saved Money This Week