Christmas sure is a stressful time of year if we let it be. Why should we allow what others think or want to do dictate what we need to do for our budgets?
If you can't afford x amount of gifts on your list, shorten the list. Tell people you're sorry but the budget does not allow for the amount of gifts you are used to giving. If they still want to give your family gifts after telling them you won't be exchanging, that's their decision.
I think a lot of what we do has to do with being embarassed or people pleasing. It's about time most of us start pleasing ourselves; especially our budgets. Afterall, who is going to be paying for Christmas gifts? Not the recipients - us! And, to have to pay for Christmas on credit throughout the year is insanity.
Stand firm, make a budget, whatever that means, and stick to it!!
Our society is so focused on materialism that is seems hard to go against the grain. But, knowing what the true meaning of Christmas is, having family to celebrate and feeling at peace are really what makes the holiday special.
I have budgeted for our Christmas shopping and am not going over. In fact, I'm almost done with the exception of gift cards for my older nieces and nephews. Now, when I go to the mall to enjoy the holiday decorations, music and festivities, I can relax in the center on a comfy chair and watch everyone else go crazy while staying peaceful knowing I can afford my Christmas and it's been paid for with cash.