Christmas might seem expensive, but with a few adjustments you won’t have to go into credit card debt to make it a memorable and fun holiday season.

Here are some ways to have an enjoyable Christmas on a budget.

Have a potluck

Even if you love hosting Christmas dinner, you don’t have to pay for the entire meal. Ask your guests to bring a dish - maybe exchange some recipe cards with them too.

Secret Santa

Many families now play games like Secret Santa, White Elephant and Favorite Things where they only have to buy one gift for the adults in their family. Suggesting this can save hundreds of dollars a year. Plus, it’s a fun way to spend time as a family!

Thoughtful gifts

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With most people moving into the new year with the mentality of frugality, I am offering you some cost-efficient and awesome ways to treat your honey and spend less money! Here are some cost-saving date ideas in YMM for that last-minute valentine date.

Breakfast in Bed

Treat your king or queen to a hot cooked meal and start the morning right with some laughs. If work starts at too early of a time, sneak a love note or some heart cookies in their lunch. They will surely enjoy the gesture!

Steal a scene from “...