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

This is a great way to save on the gifts you give to  teachers, co-workers, and neighbors. Feeling crafty? Try DIY or homemade gifts. Gifting something with a personal touch from your kids is a sure win for teachers too!

Stick to the four gift rule for your kids

Kids have so many toys these days. They can easily become overwhelmed, especially when the time comes to clean the playroom to make room for new toys. The four gift rule says that you can buy your kids something they want, something they need, something to wear, and something to read. These four presents should be more than enough for them to enjoy their holiday season. You can also maybe do two gifts where one is something they want and another is something they need.

Use coupons and shop at discount stores

Many stores carry amazing...