Christmas is approaching and the pressure to buy gifts and copious amounts of food is too much and so we end up spending money that we can’t afford.

Well not this year!

I can’t work due to my health and my wife cares for me and this year we have been financially struggling more than ever and so we have decided that enough is enough and we won’t make things worse by spending money we don’t have.

I actually think we are still paying back a Provident loan for last Christmas and I refuse to make it worse!

I don’t have any problem saying no, but my wife finds it hard as she loves to give and she loves to make people happy.

But this year she has made home-made gifts for parents and other family members, it is the only way we can give a gift and she has actually enjoyed spending the time making them.

Today as she was talking about Christmas cards, I said “don’t bother”!

I have sent a funny picture/card I made up on the laptop to my two cousins who live abroad and some people who don’t live nearby and so have saved at least £10 there on postage.

Yes I would love to do it, I want to send friends and family a card but the stark reality is that every penny counts and I have already saved enough money for two nights dinners!

There is no point in getting into debt for Christmas!

If your family love you and your friends truly care about you, they will understand and if they get funny about it, well they are not the sort of people you should get into debt for anyway.

It is harder if you have children, we have grandchildren and again we have cut right back, after all they won’t play with everything and sometimes having one gift means it will be played with more.

We are never going to be able to keep up with the Pomperton-Smyth family who buy little Rupert a new iPhone, iPad, Macbook, Smart watch and gold leafed loo roll to wipe his spoilt little arse anyway and let’s face it, spoiling kids like that can result in a spoilt little child that everyone loves to hate!

We are having Christmas Day with my mum and so there we have a further saving as we won’t have to buy the food for Christmas dinner.

The next day we have my wife’s family coming to us but it will be a very cheap cold turkey, mash, sausage rolls and some of the Iceland party food which is very cheap, this will all be topped off with some silly games and they can bring the booze!

I shall of course likely head to bed anyway as I struggle with too many people around, the noise of multiple conversations sends my head in a spin and a flare up will follow.

So that and the cost cutting means I may also avoid putting on two stone in weight in two days this year!

Christmas is just two days that are gone in the blink of an eye and very few of us remember all the gifts we got the year before anyway.

Save yourself.

Save your money.


The home made gifts that my wife made were very well received, in fact I would say they produced more happiness and gratitude than bought presents.

We had an amazing Christmas and no stress through pushing ourselves further into debt.

It goes to show that you don’t have to plunge yourself into debt for Christmas!

By Zechariah Richardson

Over 50, disabled, husband, father and gramps who reviews products and writes blog posts about his life, beekeeping, gardening and whatever pops into his brain!

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