CUT BACK WITHOUT MISSING OUT
We all have expectations around Christmas, but you may feel that you can’t afford to celebrate the way you usually do, so here’s how to handle awkward conversations around festive budget cuts
On one hand, the runup to Christmas is a wonderful time of the year, on the other, it can be exhausting and expensive, particularly during this cost-of-living crisis. You may have family members who are unaware of your money struggles, and are carrying on as normal regarding their expectations for the big day. You may feel embarrassed to admit that things are tight for you this season, but by doing so, you’ll reduce the stress you feel about other people’s expectations. Putting a message in the family WhatsApp group, or calling your siblings to explain why you can’t afford to buy gifts for everyone, or put on a decadent meal this year, will mean they understand your situation. I host Christmas every year, and several people who don’t have their own families spend the season with us. This year, I have asked them to all contribute by bringing food and drink so we share the financial burden. I have also agreed with all the adults in my family that we will only get presents for the children. When it comes to going out with friends, if you don’t have the cash to splurge on meals or cocktails, offer to be the designated driver, and agree that they can pay for your food in return for getting them all home. If you really cannot afford to attend any of the social events on the table, host a few nights in at home. Load up a Christmas playlist, ask everyone to bring a bottle and a festive snack, and party the night away without spending a penny. These kinds of nights are always more fun and memorable than a meal out at a fancy restaurant. Having money struggles is nothing to be ashamed of. You should feel proud that you are not willing to sink yourself into debt to keep up appearances.