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9 Ways to Get Your Child a Christmas Gift If You Can’t Afford to Buy One

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My mom often tells the story of the first Christmas she and my dad had after they were married. They didn’t have any money, so they bought a sad, little Christmas tree on Christmas Eve that only cost a few dollars. It was so tilted that they had to tie it to the wall to make it stand up straight. She got my dad a warm wool pair of socks to wear when hunting, and he got her a tea kettle.  She laughs about that Christmas now. In retrospect, the story does have a poignant sweetness to it. However, that Christmas, they didn’t yet have kids.  When you’re struggling financially, not being able to buy a Christmas gift for your child can be heartbreaking. If your money is stretched and you literally have nothing extra, there are ways to make sure your children have a gift under the tree.

Christmas Gifts

Ways to Get Younger Kids a Christmas Gift

Younger kids are easier to get gifts for when you’re in this situation.  They have less specific wish lists than teens.  Often they’re happy just having a gift, whether that be a doll or a truck.

Buy at Second Hand Shops or Thrift Stores

If you have a small bit of money to buy a gift, consider looking at thrift stores or secondhand shops. Or, you could turn in your kids’ outgrown toys and clothes for credit to purchase items at the secondhand store. Be warned, however, that secondhand stores usually pay just a pittance for items they buy, so you might not get much credit.

Exchange Used Toys with Another Family

Toy Exchange for Christmas Gifts
Photo by Shitota Yuri on Unsplash

Another idea that doesn’t cost anything is to exchange toys with family friends. You gather up the toys your children are bored with or have outgrown, and exchange them with another family who does the same. You can wrap these “new” toys and give them to your children for Christmas.

Ways to Get a Gift for Teens

Teenagers have more specific gift lists and are usually more aware that the family’s finances are tight.  Still with a little creativity, you can find ways to get them gifts they will like.

Give Them Books and Jewelry

You can go to local thrift stores and find books in excellent condition to give for presents.  You may also be able to find nicer jewelry for your teen daughters.

Give Them Gift Coupons

You may not have money now for a gift, but you might have money in a few months.  You can give your child coupons for experiences.  For example, a free one might be, baking and movie night with mom or dad.  While this gift costs nothing, it does give your teen one on one time with you.

Another idea might be one weekend family camping trip.  If you already have the camping supplies, you can go to a national park with a low entrance fee.  This present will likely cost less than $50 for the whole family, and you’ll be building memories.

Gift Them Privileges

One gift that is free but will likely delight teenagers is to gift them privileges.  For instance, if your teen still has chores to do around the house, give them a coupon for a week off from chores.  Or, one coupon could be for an hour or two later curfew.

Give the Gift of Your Time

If you don’t have money for presents, take the time as a family to count all of your blessings.  Then, spend some time helping others who are less fortunate than you are.  Volunteer at a food pantry or soup kitchen.

Sometimes when you find yourself in desperate financial straits, you may start to feel sorry for yourself.  Helping others can make you further appreciate your current situation, even though things feel dire.

Ways to Get a Gift for Kids of Any Age

Christmas gift
Photo by freestocks on Unsplash

There are other ways to get your children gifts, regardless of their ages.

Sign Up for a Free Gift with the Salvation Army

The Salvation Army works hard to give a gift to each child whose family can’t afford to buy one. Go to the Salvation Army website, enter your zip code at the locations tab, and find a Salvation Army near you.

You’ll need to prove that you are indeed low income. You can do this easily if you’re receiving food stamps, WIC, or Medicaid.  There are also other requirements you’ll need to submit, which you can find on the website or when talking to your local office.  Be advised that many people sign up for this service in October, so time is of the essence.

Sign Up on Santa’s Little Helpers

Reddit has a program called Santa’s Little Helpers.  You must join the program, and then you share your wish for holiday presents.  There are limits including $25 for an adult present and up to $100 for a child’s present.  You can make gift requests for each of your children, but if you have more than four children, you will need to provide a picture of your entire family together.

This year, registration began on November 7th, and gift requests will begin on November 14th.  You are allowed to register until December 12th, but obviously, the earlier you register and request a gift, the more likely your request is to be fulfilled.

Contact Your Local Church

Many churches run their own Christmas present giving operation. Contact local churches and tell them your situation. They may be able to help you or refer you to another church or agency that can.

Final Thoughts

If your budget is beyond stretched thin as my parents were on their very first Christmas, remember that there are nine ways to get your child a Christmas gift if you can’t afford to buy one. There are many services available to help assist families in a bad financial situation so that every child can open a present on Christmas.

What other suggestions do you have for families who cannot afford a Christmas gift for their kids this year?

Read More

What Christmas Expectations Are You Setting for Your Children?

How I Plan to Have a Low-Cost Christmas

4 Frugal Ways to Keep Young Kids Busy During Christmas Vacation

What to Do When You Have More Bills Than Income

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It can happen to the best of us—we have more bills than income.  Every person’s situation is unique.  Maybe you lost your job, or you had a medical emergency, or you just went through a divorce.  The situation doesn’t matter.  What matters is that you find yourself in a desperate position.  Rather than panicking or ignoring the problem, know that there are strategies to implement to get yourself out of this position.

More Bills Than Income

Steps to Take When You Have More Bills Than Income

The process of getting out of this situation isn’t quick, but finding your financial footing again can be done.

Write Down Your Financials

The first step is to take an honest account of where you are.  How much money do you have coming in?  How much debt do you have?  What are your monthly payments and bills?

Cut Ruthlessly

Now that you have your financials on paper, you need to cut ruthlessly.  What do you pay for monthly that you can slash from your budget?  Start first with subscriptions like DisneyPlus, Netflix, Amazon, etc.  You can get those services back once you no longer have more bills than income.

Next, look at categories you can’t eliminate but can reduce.  We all have to eat, but we don’t have to go to a restaurant to do so.  If you’re not already cooking all of your meals at home, now is the time to start.  Also, make a plan to shift the type of food that you’re eating so you can lower your grocery bill.  Now might be the time to eat some beans and rice and vegetarian soups.

Learn how to lower your electric bill.  Turn off appliances and devices that you’re not using at night.

Consider switching cell phone providers so you don’t have a high monthly cell phone bill.  You might want to move to a lower cost provider like Ting or Tello Mobile.

In short, cut or reduce everything you can.  Then, you’re on to the next step.

Prioritize Payments

More Bills than Income
Photo by Scott Graham on Unsplash

If there’s not enough money even after slashing your expenses, there’s not enough.  Once you write down your financials, list your bills in order of importance.  Think survival here.

Survival Expenses Should Always Be Paid First

Bills and expenses that you likely want to be sure you pay every month can include:

Food,

Clothing,

Utilities,

Housing,

Transportation

The most important goals right now are to feed and clothe yourself as well as keep the lights on (along with the heat or air conditioning) and maintain your house and car.  Without the latter two, keeping and getting yourself to work is very difficult.

Keep in mind, you’ll still want to be conservative in these categories.  You won’t be eating fancy meals and you won’t be buying designer clothes.  You’ll spend the minimum you need to get yourself fed and clothed.

Expenses to Pay with the Remaining Money

After you’ve done looking at your spending priorities, look at how much money you have left.  You may find that you have many more bills to go and only a little money left.  That’s okay.  You knew you were in this position, and now you’re writing it all out and making a plan.  This is empowering even if it feels terrifying.

Let’s say you have four debts remaining and you only have $250 leftover.  Spread that $250 between each of your remaining debts.  For instance, let’s say your four debts have these balances:

CC #1: $10,000

CC #2: $3,500

CC #3: $5,000

CC #4: $1,500

At this point, don’t pay attention to the minimum payment.  Instead, add up all the debt, in this case, $20,000, and figure out which percentage of debt each is.  For example, CC #1 represents 50% of the remaining debt, so you’ll give it 50% of your remaining money each month, $125.  CC #2 is 17.5% of your remaining debt, so it will get 17.5% of your remaining money–$43.75, and so on.

Negotiate Credit Card Rates

If you think your current financial situation is temporary, call your credit card company and ask them to reduce the amount of interest you’re paying.  By doing this, more of your monthly payment will go to principal, lowering the overall amount that you owe.  You’ll likely be successful with agents lowering your rate about 50% of the time.

Negotiate Monthly Payments

If you feel your financial situation may last longer than a few months, call your lenders and explain your situation.

Credit card companies have the power to reduce your monthly payment.  When you negotiate with them, they will ask you how much you can pay monthly.  Using the math that you did above, let them know exactly how much you can pay a month.  (You’ll tell credit card company #2 you can only pay $43.75 even if your monthly payment is $70.)  The credit card companies will likely lower your payment to what you can pay because you’re making a good faith effort to meet your obligations.

Remember to call your other lenders.  Your mortgage company may be able to work with you to reduce or temporarily suspend payments.  You can also apply for deferrals on your student loans.

The important advice is to call these companies early, before you fall significantly behind.  Call them while you still have good credit.

Find a Side Hustle

More Bills than Income
Photo by Garrhet Sampson on Unsplash

Reducing expenses is important when you have more bills than income, but the flip side is just as important.  Can you start a side hustle as a way to make extra money and boost your income?  I started freelance writing 10 years ago when our youngest was a baby.  Now, my freelance work contributes 25% of our monthly income.  Imagine adding an extra 10 or 20 percent to your current income?  How would that money help you improve your financial situation?

Final Thoughts

If you’re in the unfortunate position of having more bills than income, know that you’re not alone.  There are steps you can take to improve your financial situation and help you survive this current financial difficulty.  Most importantly, remember that this situation is temporary.  Things will get better.

Read More

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How to Feed Your Family on a Low Budget

How to Create a Zero-Based Budget in Excel

How Bulk Cooking Can Save You Money

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Have you ever had a day where everything went wrong?  The kind of day where you have a meeting at 4 p.m. and think it will end at 5 p.m., but it runs an hour late?  Then you get home, the kids are cranky and hungry.  You still have to help them do their homework, but you have nothing ready for a quick meal?  Most people accept defeat and order take out.  That’s what I used to do years ago, but then I discovered bulk cooking, and I started saving both time and money!

Bulk Cooking

How Bulk Cooking Works

There are several ways to incorporate bulk cooking into your life.  Just choose the style that you like the best.

Make Meals in Advance

One way to try bulk cooking is to make several meals on one day.  Ideally, you’ll pick four to five recipes and at least double each recipe.  Then, you’ll take the eight to ten meals that you made, put them in a freezer bag, lay them flat, and freeze them.  In the future, when you have a busy night, simply grab a meal from the freezer instead of calling for take-out.

Some people who are extremely motivated make enough meals in one day for their family to eat for a month!  However, I wouldn’t recommend this for a beginner because it can be exhausting.  You spend an entire day cutting up produce, batch cooking, and cleaning up.  The reward is that for the next 30 days, you don’t have to worry about what’s for dinner.

Prep Food for the Week

If you’re intimidated by the idea of making entire meals in advance, you can start more slowly with meal prep for the week.  Doing this on a Sunday will still save you a lot of time during the week and make your actual cooking time faster.

Bulk Cooking
Photo by Ella Olsson on Unsplash

When you do this type of bulk cooking, you simply prep all the ingredients that you will need for the week.  For instance, if you know you’re making chili during the week, brown the ground beef and soak and cook the beans now.  Then, on Wednesday night, chili night, just pull the precooked beef and beans from the refrigerator and combine on the stove and let simmer.  You’ll easily skim 20 to 30 minutes off your cooking time by doing this.

There is one caveat to this way of preparing food.  If you prep food on Sunday, you may need to freeze some portions that you’ll use later in the week because the food won’t stay fresh until the end of the week.  I love to take out two pounds of ground beef on the weekend, brown it down, and then store it in the freezer in smaller size portions.  Whenever I need it, I just pull it out for the recipe I’m making.

Where to Find Recipes

Not all foods freeze well, so it’s best to find recipes specifically for bulk cooking.  Simply Google “freezer cooking recipes” and you’ll find a slew of recipes, all designed with ingredients that freeze well.  Often times when I serve a meal, my husband can’t even tell that it’s been frozen before.

Advantages of Bulk Cooking

There are so many advantages to bulk cooking!

Choose the Ingredients

You get to choose the ingredients.  If you’re interested in eating clean or you have food allergies or intolerances, this way of cooking may be for you.  You choose how much fat or sugar you add.  You choose organic or non-organic ingredients.  Since you’re making the meal, you know exactly what you are putting in your body, which can’t be said if you order take out or buy frozen meals from the store.

Cook the Foods You Like

You have the ultimate say in the meals that fill your freezer.  You can make meals that the entire family enjoys, even the fussy little ones, which makes meal time much more pleasant for everyone. And you needn’t stop at meals – you can also cook your favorite sauces to use as an accompaniment for those blander mid-week meals where you don’t have the energy to make anything fancy. For example, take a look at this chinese hot mustard sauce recipe which is perfect both for freezing and for giving a kick to your dinner!

Save Time

Yes, bulk cooking requires an investment in time in the beginning, but you’ll soon find that it saves you so much time during the week.  Can you imagine the ease of just pulling a meal from the freezer, heating it, and making a salad to go with it?  Or, pulling out all of the meal components from your refrigerator and simply simmering them together?

How Bulk Cooking Can Save You Money
Photo by Ella Olsson on Unsplash

Plus, you make most of the mess on your bulk cooking day, so on the day when you actually eat the meal, there is very little clean up.

Save Money

This is one of the best advantages to bulk cooking.  You can save some serious money.  Let’s say you’re a busy family of four, and you grab take out costing you $40 once a week.  That’s $160 a month you could save if instead of relying on take out, you could simply have a meal defrosting in the refrigerator waiting for you to heat up on a busy night.

Plus, have you ever had weeks where you buy groceries, but then you get too busy and can’t cook as often as you had planned?  Those ingredients spoil before you can use them.  You lose $10 or $20 in ingredients you didn’t use.  With bulk cooking, that issue mostly goes away, saving you money twice.

Drawbacks of Bulk Cooking

I have been bulk cooking in some form or other for the last 15 years.  I really enjoy preparing food this way, but there are some drawbacks.

Initially Expensive

Let’s say you spend $200 a week for groceries.  If you decide at the beginning of the month that you want to make all of your dinners for the month and put them in the freezer, you may have to spend $300 or $400 to buy all of the ingredients at once.  This can be hard on your budget initially because you have to spend more upfront than you have budgeted weekly.  After that initial bulk cooking session, you’ll find that you spend less per week.

Time Consuming

When my kids were little, my husband would watch them all day so I could bulk cook for the month.  The cooking day was always exhausting, and as much as I loved having meals in the freezer for the whole month, I hated bulk cooking day.

Now that my kids are older and more self-sufficient, I bulk cook on Sunday for the upcoming week.  Rather than taking me all day, bulk cooking for the week only takes me two to three hours.

Final Thoughts

Bulk cooking is an excellent way to save money and time.  Yes, you have to initially invest money and time, but you’ll reap the rewards for days to come.

Read More

5 Strategies to Make Food at Home If You Hate Cooking,

Frugal Tools and Strategies to Help Busy Families Get Organized,

Even More Ways to Save on Groceries