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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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Twisted Branch Christmas Card Holder

Twisted branch Christmas card holder

 

Every Christmas, we are inundated with Christmas cards from friends and family.  Each one is a special reminder of the people we care about the most, but too often, the cards and pictures end up in a pile because I don’t know where to put them.

My mother-in-law had a great solution.  Years ago, she had purchased a Christmas card holder which resembled a branch.  It was decorated with bright red birds and greenery.  Ribbons hung down off the branch so she could attach and display all her cards in a cute and very organized way.

It was perfect, but I had never seen one like it in the stores.  Thankfully, it seemed like a very easy craft to replicate, so I decided to make my own.

With the help of some coupons for Michael’s and some creative recycling, the entire project cost less than $5 and took about half-an-hour (minus time rummaging through my craft supplies) to complete.

Here’s how to do it:

Gather:

*One interesting and sturdy branch, 20-24” long, preferably with at least one fork in it

*One wire coat hanger (try to find one with paint chipping off–it’s a great look)

*About 13” of ½” ribbon (not wired).

*1 or 2 decorative birds in coordinating colors

*Artificial holiday berries or greenery picks (recycle an old wreath or use leftovers from another project!)

*Hot glue gun

*wire clippers (helpful, but not completely necessary)

Optional: paper clips and assorted buttons

Before the Christmas cards arrive, display antique postcards or pictures for interest

You probably don’t even need directions once you see the pictures, but here you go, just in case:

Step 1: Using a wire cutter, clip off the hook end of the hanger.  Wrap the remanding wire around the ends of the branch to create a hanger for your branch.  Bend the wire in the middle until the branch hangs straight.

Step 2: Cut 5 pieces of ribbon of varying lengths, no shorter than 2’ each.  Space the ribbon along the branch, wrapping it over the back of the branch and securing with a dot of hot glue.

Step 3: Carefully melt the long ends of the ribbon with a flame to prevent fraying.

Step 4: Decorate!  Secure the bird(s), nest, berries, pine cones, greenery, etc. to the branch with hot glue.  Be creative!  You can use the traditional reds and greens of the season, or go with metallic ribbons or jewel-tones—whatever you like.

Put a bird on it

Optional: If desired, glue assorted buttons to paper clips for a fun way to secure cards to the ribbon.  Package these in a cute tin (recycle and decorate a breath mint) and they’re gift-ready!

Vintage buttons make for very cute paperclips.  Make a bunch for a fun teacher gift!

Hang your Christmas card holder and use the paper clips to display your Christmas cards as they arrive.

Decorating, Home 7 Comments

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