A Broke Bitches Guide to Christmas

A Broke Bitches Guide to Christmas

broke_on_christmasYo yo yo! Ho ho ho! It’s about the time! It’s my least favorite season…the holiday’s. The only thing exciting to me about this season is décor and receiving gifts. Now that I’m a mom, I barely even get a gift *tears* BUT I digress. Some of us have learned how to make Christmas look classy on a shabby budget. There’s nothing wrong with being broke…until you have a financial obligation outside of your budget. So what does a broke bitch do on Christmas? Here are my tips below:

  1. Save up. (If you can.) I know some of us are living paycheck to paycheck, so saving is nearly impossible. So take this as a tip for NEXT Christmas. Take note of how much you spend this year and divide it by 10. For the next 10 months before the next holiday season save that amount. If possible, contact your financial institution and inquire about a separate (free!) savings account just for the holidays. One of my former employers even had a Christmas Club account that would mail you the funds in the form of a check in November.dollars
  2. Layaway. Yup I said it. The tool your mama used back in the 90’s has returned and there are multiple retailers that have this option. Wal-Mart, K-Mart and even Burlington coat factory have this available. In October go in and get your kid that iPad they’ve been begging for, and make monthly payments. Don’t overwhelm yourself thinking of the lump sum you’ll have to spend on black Friday.
  3. Make a list. Before the season arrives I’m already thinking of the people who will get a gift from me. Of course my immediate family, but what about your child’s teacher or daycare provider, your boss, the mailman or anyone else who has a special place in your life. Make a list of the things you’ll be getting them, and make sure it’s all within your budget. If not, (sorry Mr. Postman) re-evaluate the list, and cancel some of those gift card recipients.list-graphic
  4. Sales sales sales! There are sales YEAR ROUND. I remember my mom getting us gifts and hiding them MONTHS before Christmas. (Yes I was the sneaky kid who knew the stash spot every year.) Be mindful of that, and maybe when you get that third paycheck of the month in the summer or early fall you can swing by Bath and Body works and load up on the specials they have. (FYI you can make a lovely Spa Basket for someone using those items.)
  5. Don’t Over Do it. Look, sometimes we fail by trying to please others. The real purpose of the holiday season is to spend time with loved ones and show appreciation and gratitude. It doesn’t take thousands of dollars to do that, in fact it doesn’t cost a thing. Do what you can, and let people know ahead of time if they’re looking forward to an extravagant gift, that may not happen this year. Stay within your means, and plan to save for the next year. You’ll be fine.

Hope this list helps someone out! Be sure to look for DIY ideas, take trips to the dollar store, and stop trying to keep up with the Joneses.

Happy Shopping.

Santa Carrying Shopping Bags

15 thoughts on “A Broke Bitches Guide to Christmas

  1. I never heard of the Christmas club before but it sounds like a great way to stash away some extra funds.

    Also like you said, doing what you can without breaking the bank is key. Christmas is 1 of 365 days, so let’s be giving but not to the point where we’re in total lack to prove/please others.

    I enjoyed your list and Merry Christmas in advance!

  2. This made me laugh. I feel you. I love the holidays but I do not overspend ever. My children are learning to embrace experiences over material things.

  3. Let me be honest. Christmas holiday shopping is for these big brands to get rich and really for us to go all out with our friends and family finiacally. Yes shop but dont over do it, dont deplete your bank account for the holidays spend but dont break the bank. The holiday is more than gifts.

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