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A Zero-Budget Christmas: Kids’ Edition

Zero-Budget Christmas

A Zero-Budget Christmas:

Kids’ Edition, Part 1

Welcome back to the fourth post in our special series A Zero-Budget Christmas! If you’re just joining us, you can find the very first post here.

Today, we’re talking about how to shop for kids when money is tight.

Since all of our children were born during our thirteen years of “skinny Christmases,” I know how agonizing it can be to watch the Christmas season swoop in and to have no idea how you’re going to make any magic happen on a zero-budget.

The next two posts are intended to help you provide a great Christmas for the ones who have your heart: your children.

Consider the ages of your children.

My daughter was less than four months old on her first Christmas.  She had no idea what was going on, and yet I  had a deep desire to buy presents for her. We had no money for extras that year, but I felt unloving, even negligent, to fail to purchase a gift for her.

Moms, we have a soft spot for our babies, and that is right and good, but we need to realize that it is not unloving to wait to buy gifts for our children until they are old enough to receive them with understanding. That just makes sense.

zero-budget Christmas kids
At four months old, my daughter was happy to look at the Christmas lights and gnaw on her fist. So even though it was hard for me, we saved our money and didn’t purchase any gifts for her that year, or the next. And she never knew the difference.

If you cannot bear the idea of not buying your child a present, remember this: very young children are delighted with one or two new toys (and by new, I mean new to them; more on that later in the series) and overwhelmed by much more. Don’t give them more than they can handle just because our culture says you should.

Elementary-aged children have more specific desires than toddlers, but their gifts are generally cheaper than those of older teens. Companies often run great specials during the holidays on toys for this age group because they hope that once you’re in the store for the cheap Barbie, you’ll pick up an Xbox too.

If you are careful not to fall for the bait, you can take advantage of the deals and give yourself more money to work with when finding gifts for the hardest age group of all: older kids and teenagers who have very specific hobbies or interests. Parse your money out wisely by spending little to nothing on the youngest (we’ll talk about how to do that next time) so you have more for the oldest.

Budget gifts

Don’t do it all!

The first Christmas after my twins were born was one of our leanest. I had five kids ages six and under. Three were in diapers.

One day, our pastor’s wife pulled up and unannounced, “Don’t let the kids come out here!” Her trunk was full of toys and clothes for the kids that she had been squirreling away whenever she found a good deal. That year, Christmas was from Mrs. Cara, and I will never forget it.

Mama, it’s okay to let someone else steal your thunder on Christmas morning. I know you wish you could do more for your kids. But instead of feeling guilty or inadequate, turn your eyes up to God who sometimes uses other people to bless us, and be grateful for them.

Even if you don’t have a Mrs. Cara in your life, keep in mind that your children will often receive gifts from family members and friends. You may realize that one or two presents from you is more than enough to round things out. Or, you can supplement with more practical items that are easier on the budget.

Be “unfair.”

This one might ruffle some feathers, but I believe it’s important.

One of the lies parents believe is that we must spend the same amount of money on each of our kids in order to be “fair” and avoid any smack of favoritism. This idea can lead us to spend more than we should in an attempt to keep things even.

The truth is, we should not feel obligated to treat our children the same. They are not the same. Even my twins are not the same, and I would be foolish to try to parent them in an identical way!

I would also be foolish to try to buy gifts for them in the same way. At different ages and seasons, children will have different needs and interests. Sometimes, gifts for one will be more expensive than others. Other times, a child might get more presents than another because he has needs or unique interests the others just don’t have. That’s okay!

Budget Gift giving

We make it a habit in our home to rejoice with those who rejoice–even if that person got a really great gift and we didn’t. We try not to compare our blessings with theirs. Having a bit of an unequal Christmas gives us plenty of opportunities to practice that in a loving setting.

Now, we don’t purposely exasperate our children. Our kids always feel abundantly loved and cared about at Christmas. (I asked them).

But the fact remains, sometimes Christmas is not “fair.” Life is not fair.

Even our heavenly Father does not treat all of his children the same. We are unique, special individuals, and that means that sometimes, another one of his kids gets more than us. Don’t be afraid of that—like everything else God does, it is for our own eternal good.

Being “unfair” can be very good for you and your kids as well as long as you communicate how entirely loved and valued they are. And that has nothing to do with the amount of money spent or the number of gifts under the tree.

In fact, that has nothing to do with money at all.

*To begin reading A Zero-Budget Christmas from the beginning, start here.

**During this series, affiliate links may be included for your convenience. Thank you for supporting this ministry!

 

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A Zero-Budget Christmas: Easy Ways to Make Some Christmas Capital

 

Zero-Budget Christmas

A Zero-Budget Christmas

3. Easy ways to make some Christmas capital (that you might already be doing)

Welcome back to our series, A Zero-Budget Christmas. So far, you’ve heard about our family’s decade-long struggles to provide magical Christmases with very limited money. You also joined me for a little “Christmas-magic shakedown,” which was all about putting Christmas in perspective and focusing on finding contentment instead of trying to achieve perfect happiness.

Today, we’re going to get to the real work of figuring out how to make Christmas happen on a (nearly) zero-budget by brainstorming ways to make that zero-budget a little bigger. We need to create some Christmas capital.

Which means I need to make a little disclaimer: the goal of this series is not to show you how to spend absolutely zero money for Christmas at all. That’s almost impossible, because unless you give acorns and pine cones, even homemade gifts need a few dollars for supplies.

The goal is to spend zero money from your existing funds. You’re going to create the capital to fund your Christmas so you don’t need to touch a penny from any other source.

Don’t worry, it’s easier than you may think. In fact, you can leverage the things you’re already doing or are good at to fund your zero-budget Christmas and make it fabulous. It just takes a little creativity.

But if creativity is not your jam, I have some ideas to get you started. This is a long post, and hardly exhaustive, so don’t get overwhelmed with all the ideas. Choose to do one or two things on this list, but not more than that.

The ultimate goal of a zero-budget Christmas is to free yourself from financial struggles so you can enjoy your family more during the holidays. Replacing financial struggle with a struggle to make money would be counter-productive. Stay sane.

Alright, let’s get the ideas rolling!

Christmas capital

Make some dough. Literally! If you have a favorite holiday treat that always gets rave reviews, make extra and market it! Take a picture, post it on Facebook, and tell your friends that they can get some of your famous toffee (here’s my favorite recipe, and it’s so easy), peanut brittle, or homemade vanilla.

Package your product so it’s cute and ready for giving. Your friends already spend money on things like this to give at Christmas, and they will be happy to send their dollars to you instead of a box store.

Don’t think it works? Recently, I made $200 by selling bottles of my natural remedy, Dragon Juice. The recipe is free on my blog—and I told people that. But people are busy, and having a prepackaged version was a blessing to them and me.

The same is true of just about anything you can think of, from home remedies, body care products, and homemade holiday treats that people can use as gifts. If you can’t cook, try my recipe for Sugared Bath Bombs. They are adorable, super simple to make, and people will gladly pay you to make them.

No matter what you choose to make, and really the sky’s the limit, be sure you charge enough to cover your expenses and make money. This is not charity. This is hard work. You are offering a service and should be compensated for your time and effort. Don’t be ashamed of that!

As an example, I charged $10 for an 8 oz jar of Dragon Juice and $18 for a 16 oz. Last year, my cousin made Christmas Buckeyes (chocolate-covered peanut butter balls—it’s an Ohio thing), and charged $10/dozen. If people don’t want to pay for your product, they simply won’t respond to your post. But the ones who see the value in what you do will gladly support your efforts!

Offer a holiday-related service. I have a roofer friend who makes extra money at Christmas by hanging Christmas lights for people or taking them down afterward. Another friend funds her Christmas gift budget by offering Christmas tree decorating services. Full-time working moms love her! Businesses do too. If you know someone who owns a business or runs a commercial office, advertise your decorating skills! Here a few more ideas:

  • Address and send Christmas cards: I got paid to do this one year because a friend liked my handwriting! If you can do hand-lettering, this is for you. Charge by the hour or by the card.
  • Houseclean: Offer a special Holiday Cleaning Blitz to your friends. Help them get ready for the holidays and fund your Christmas capital at the same time.
  • Pet sit: My kids made over $1,000 with their part-time pet sitting business. Pet boarding companies fill up fast over the holidays, so you can really help people out by offering to keep their pets in a loving home environment. Charge at least $10/day/pet (unless they are small, caged animals). That is a deal.
  • Gift wrapping: This is a blessing to the elderly and those who simply don’t have the time to do it themselves but want something a little more special than the ubiquitous gift bag.
  • Cater Christmas: One year, I was hired to make an entire Christmas dinner for a neighbor who had health issues. If you love to cook, offer this service on a first-come, first served basis. Or, simply offer to bake things like pies or sides. This can be a great help to those who want to do it all, but can’t. Take orders for your specialties and watch how many of your friends would rather shop your kitchen than Costco’s.

Natural Remedy Dragon Juice

Host a Mom’s Day Out. If there’s one thing moms will pay for at Christmas, it’s time without the children so they can shop for them! Hosting a Mom’s Day Out is the perfect solution. It’s different from babysitting because you control the time and place, and you maximize your efforts (and thereby profit) by offering it to as many children as you can safely handle. This is a win for the kids too because it turns into a giant playdate.

Plan fun crafts (like microwave salt dough ornaments—cheap, fast, and fun) or other activities for the kids and advertise them so moms see the value for their kids in what you’re doing. Charge $5/child/hour, set the time, take reservations, and if necessary, enlist some help from older kids so you can have a great event. If you get ten kids and host the event for three hours, you’ll make $150 in one afternoon, and your mom friends will love you for it.

Get paid to clean out your closet. You need to do it anyway. You know you do. So why not get paid to do it? Sites like ThredUP will pay you in store credit for your gently-used items. Plus, use this link and you’ll get an extra $10 to get started. You can use that money to get free, new-with-tags items for Christmas!

Once you’ve set up your account, order a free clean out bag from their site. It’s free to ship it back, too, so don’t be afraid to load it up. Go through your clothes, shoes, and handbags, and do the same for your kids. Look for items in great (near-perfect) condition. (Obviously, that completely eliminates anything worn by boys. Ahem.)

Take a moment to iron anything wrinkly, snip loose threads, polish shoes and wash laces, and vacuum out  handbags. You’ll get paid more if your items look their best. Then, send back the bag and ThredUP will do the rest!

The first time I sent a bag to ThredUP, I made $127 in credit, so it is definitely worth the effort. Just be sure to read through their FAQs first so you know which items they will not accept.

Sign up for cash-back programs. If you do any shopping online, be sure you’re getting the most bang for your buck by using one of the many cash-back programs available. I love Ebates, which gives me a percentage back in real money (not store credit) on nearly everything I buy online. It’s free to sign up, and easy to use. Simply log into Ebates, search for your store, and click through their link before shopping. If you’re new to Ebates, be sure to use this link. You’ll get an automatic $10 credit just for signing up and using them to make your first purchase.

Christmas Capital

Use store programs to your advantage. Most retail stores have rewards programs, so if you are a loyal shopper, be sure to check those out. I’ve recently discovered the Shop Your Way program, which rewards customers from Sears, Kmart, and Land’s End. I’m major crushing on it because they often offer 100% points-back offers, which means that if you buy qualifying products, you get the same amount spent back in store credit. I purchased three winter coats, a pair of pajamas, and a pair of shoes that my kids needed for about $50 and got $50, plus an extra $10 bonus, to spend on Christmas presents. Since I needed to purchase those things anyway, this was a total win for me. Learn more about the program here.

Be controversial: earn cash back by paying with a credit card. I saved this for last because it goes against some of the most popular financial advice on the market, which is to pay with cash only. Paying with a credit card is definitely not for everyone, but it is for us. I absolutely do not recommend this method if you struggle with over-spending or carry any sort of credit card debt.

However, my husband and I are very conscious of our spending and do not have any debt. We stick to our budget (which I track on paper) and pay our credit card balance each month, so paying with a credit card is only beneficial for us. In fact, we rarely use cash. We pay for everything we purchase with a credit card and use the cash back to fund things like Christmas. It’s not much, but then, we don’t need much to fund a (nearly) zero-budget Christmas.

Finally…

This list is long but far from exhaustive. Do you have any favorite ways to make Christmas capital that have actually worked for you? Please help generate even more ideas by leaving a comment below. I’d love to hear what’s worked for you!

*To begin reading A Zero-Budget Christmas from the beginning, start here.

**During this series, affiliate links may be included for your convenience. Thank you for supporting this ministry!

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A Zero-Budget Christmas: A Little Perspective

Zero-Budget Christmas

A Zero-Budget Christmas

2: A little Christmas perspective

Mothers are amazing. Most healthy mothers, no matter their financial status, will do whatever it takes to meet their kids’ needs. They take extra jobs, learn how to stretch a budget, and give up their own personal comfort for the benefit of their children.

What is even more amazing is that most mothers really don’t mind doing any of this because it’s for their kids.

But at Christmas, the disparity between the families who have plenty and the ones who are just scraping by seems a little wider. Mothers who otherwise “make it work” and carry a sense of pride in how they manage to care for their children, suddenly feel the sharpness of lack.

As someone who has been there, allow me say this: there is a massive difference in knowing you are not rich and feeling poor. No one likes to feel poor.

Maybe you know that feeling too, and you are looking for a better way to make it through the season. Fortunately, this series is here to help. I’ve learned lots of tips and tricks over the years as my husband and I have raised five kids on a shoestring.  The great news is, you can make Christmas magical on a zero-budget.

I introduced this series by telling you our Christmas story.

Now, before we do anything else, we’re going to put Christmas in perspective. Stick with me here–I am not trying to get out of giving you actual, practical advice on how to make Christmas work when money is limited. That’s coming.

But I would be negligent in my care of you if I did not start with some important fundamentals. I can tell you how to do more with less money, but nothing will change for you unless you understand your motivation for giving and learn how to protect your heart from manipulation.

If you do not get this, you will spend the rest of your Christmases running the same frantic race, no matter what your budget, because you will believe that if you don’t do it right, you will have failed.

That is not the better way.

toy truck with Christmas tree

 

Still, it’s the path many of us end up taking because we love our kids, and our heart’s desire is to make sure they feel that love every day. Usually, that means smiles and hugs and making pancakes once in a while, but at Christmas, the cultural expectation in our time in history is that we show love through lavish gift-giving.

This has not always been the case, of course. If you’ve ever read through Little House in the Big Woods, you might remember what Mary and Laura and the cousins received on Christmas morning: a peppermint stick and new, red mittens.  Laura alone got a new, handmade doll that Ma made from fabric scraps, but Mary didn’t because she already had one.

Times have changed! Now, even our expectations have expectations: try giving any kid the same gifts Mary and Laura got and you’ll see what I mean. What has changed is marketing. We have it. They didn’t. Every single product sold in every single store is run through a fine-tuned system developed to capitalize on our human emotions of greed, pride, and guilt.

And it works. According to research, the average American plans to spend nearly $1000 on gifts in 2016!  Parents are anticipating spending an average of $422 per child.

If you are on a limited or nearly zero-budget, those expectations sink you. You can feel like a failure because you cannot meet those expectations without endangering your family’s finances.

Budget Christmas

But you have to realize this: shame is one of the emotions the marketing industry loves best because it motivates you to spend more than you should to make it go away. That is manipulation, plain and simple, and once you call it out, it makes it easier to fight back.

We have to be smarter than the industry and secure enough in our financial choices to make decisions in December that won’t haunt us in January. We need to choose the better things, and I don’t mean higher-quality products.

One of the best ways to do that is to stay conscious of the higher goal. It’s easy to fall victim to the social pressure to give our kids a great Christmas (whatever we think that means) because it echoes our natural inclination. We delight in giving good gifts to our children. That is a fragment of God in us.

The trouble is, we take it to extremes. If we’re not careful, our desire to give our children good gifts can prevent them from receiving an even better gift: contentment.

We have to remind ourselves that our goal as parents should never be to give our kids everything they want, but rather, to help our kids be content with whatever they have.

We say we believe that, but when we begin to fear our children’s disappointment, find ourselves getting a sense of pride or identity in the gifts we give, become consumed with finding the “right” gift or giving “enough” presents, chances are, we’re pursuing happiness rather than fostering contentment in ourselves and in our children.

Don’t get me wrong-happiness is nice. I will not argue with that. But it’s like a cubic zirconium: lots of sparkle with little lasting value.

Contentment is the diamond.

zero-budget-Christmas-2

Having a right Christmas perspective means seeking contentment over happiness

Remember that when you’re standing in the toy aisle or adding items to your Amazon cart. You can completely blow your budget to give your kids happiness, but it will not last. Or, you can choose to stay within the budget that best fits the long-term goals of your family and work on fostering contentment instead.

One will begin to pay dividends in January. The other will leave you with a deficit. Either way, you choose.

Make the better choice, and no matter what your budget is, you will always have the best gift.

Next time, we’ll talk about ways to grow a zero-budget into some workable Christmas capital. If you’ve been wishing you had just a little more money to work with, you won’t want to miss it! You’ll be surprised at easy it is to do the very things you’re already doing but make money doing it!

*To begin A Zero-Budget Christmas series at the beginning, click here.

**During this series, affiliate links may be included for your convenience. Thank you for supporting this ministry!

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