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To the Woman Who Feels Like She Can’t Afford Christmas

I have a story to share with you today. I think I was about twenty-four years old. A baby really, but already carrying the responsibilities of being a wife, mom, and pastor’s wife. My life was full, my nights were long… and my budget was short! 

I sat in the doctor’s office a few weeks before Christmas (and our oldest daughter’s second birthday).

It was a generic wellness check-up for our toddler, and I was ready to finish up and get home in time for supper prep.

As I waited for the doctor, I could hear her chatting with a nurse out in the hallway.  She was endowed with a voice that carried through the thin walls of the office, so I was sort of a third party in the conversation:

“It’s getting harder every year to buy my grandkids Christmas gifts,” the good doc lamented with a laugh.

“The older they get, the less I know what to buy.  Any more, I just give everyone fifty-dollar gift cards and let them buy whatever they want.”

The lady doctor appeared in the doorway just then and greeted me with a smile.

Her attention quickly went to the little girl perched on my knees, and I found myself hearing the doctor’s words replaying in my ears.  

I just give everyone fifty-dollar gifts cards and let them buy whatever they want.

Now, there are two things my little family definitely could not do that year, or any year soon thereafter:

  • spend fifty dollars on a Christmas gift
  • buy whatever we wanted!

In fact, fifty dollars was the amount of money Jeremy and I budgeted for an entire week of groceries.

You can imagine what our Christmas budget looked liked.

I honestly don’t remember the dollar amount of our holiday budget that year. 

ALSO READ:  4 Gifts for Christmas :: Free Printable Wish List + Gift Guide for Kids

But I have never forgotten the conversation in the doctor’s office.

It made me realize just how small our finances actually were.

When Your Budget Feels Like a Noose

Both my husband and I are gift-givers at heart. 

In fact, one of my top Love Languages is “gifts.”  I find a lot of fulfillment in giving generously to people I love.

When I can’t give well, it feels like something inside me is stifled and frustrated.

To say it plainly, money issues often felt like a noose around our necks

Keeping us from going where we wanted to go in life, and chocking out all the pleasant things that “people with money” seem to experience.

Money issues are difficult any month of the year.

But at the holidays, they’re especially painful.

As a young wife and mom, I knew that if gift giving was going to be pleasant instead of stressful then I was going to have to get creative.

And I was going to have to get rid of that “noose”… at least, in my own mind.

Living Well When Your Budget is Small

During that lean year (and the lean years that followed), I didn’t buy fifty-dollar gifts.

But I did learn how to give generously and get the most bang out of our small budget.

And in the process, I learned a lot of other important things too.

Things that didn’t really have anything to do with money, but had a lot to do with generosity.

Even when the budget limitations where still there, the “noose” was gone.

Our lives felt rich and full as we lived with open hearts and hands.

And that’s a lifestyle that money will never be able to buy.

4 Gifts for Christmas :: Printable Wish List + Gift Tags

Let’s Do This Together

This December, I want to invite you to join me here at the blog for a Frugal & Fab Christmas.

ALSO READ:  Pros and Cons of Making Your Own Laundry Detergent

I truly believe that a frugal Christmas can be absolutely fabulous.

Whether you want to be frugal because that’s just how you roll…

Or if you have no choice but to be frugal, because the money just isn’t there.

This topic is really close to my heart for all the reasons that I just shared.

And since you’re still reading this post, I’m guessing this topic resonates with you on a personal level too.

If your holiday overwhelm feels closely related to money issues, I hope you’ll join me for some up close and very real “mentoring.”

  • Opt in here.
  • Receive a series of very personal (and hopefully helpful) letters from me in your inbox (between now and Christmas Day).

Ready to live + love well with me this Christmas season? Let’s do this together.



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