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What To Do When Your Child Asks for a Present You Can’t Afford

November 13, 2023 By MelissaB Leave a Comment

White present trimmed with red ribbon.

Most parents will experience the uncomfortable moment when their child asks for a gift the parent can’t afford. This item may also be the one your child is most passionate about and feels he must have. In our case, my daughter, who was a huge Lego fan when she was younger, wanted a $300 Lego set. You may hate to say no to your child, but if they’re requesting a present you can’t afford, that’s what you most likely must do.

How to Prevent This Situation

I always like to be proactive, so from the time my children were little, they knew our gift-giving budget for their Christmas presents. Rather than being a damper on their holiday joy, my kids were able to work creatively around the amount. This had two benefits:

First, they didn’t ask for gifts beyond the budget because they knew we couldn’t buy them.

Second, my kids learned to look for deals. For instance, my 13-year-old daughter wants several items from Bath and Body Works, so she already gave me her Christmas list and told me that Bath and Body Works is currently having a sale, so that I can buy her more within the budget.

What to Do When Your Child Asks for a Present You Can’t Afford

If you can’t afford the item, you have several choices so your child can eventually get it.

Ask Grandparents to Chip In

If your child’s grandparents, aunts, and uncles typically buy her a present, you can ask them to all chip in with you to buy the expensive gift she wants.

If the gift is still too expensive or others who buy her gifts don’t want to chip in, you have other options.

Give Him Additional Chores to Do

You can explain that he would value the item more if he saved for it himself. To help him with that, you can give him additional chores around the house so he can make money more quickly than saving his weekly allowance.

Match Your Child’s Savings

As she earns extra money for chores, you can offer to match her savings rate. If she saves $100, you contribute $100. Especially if your child is younger, matching savings is a great way to keep her motivated; otherwise, saving for an item that is several hundred dollars may seem impossible to attain.

Final Thoughts

Some parents feel they should give their children the gifts they ask for, even if they’re expensive and require the parent to get a second job to give their children an unbelievable Christmas. However, my husband and I believe in setting a budget that the kids are aware of so they know not to expect too much. If the item is too expensive for our budget, we’ll help the child by offering extra chores and matching what they save. After all, we adults can’t get everything we want. We are constrained by a budget and must work extra hard to get those things we want that are out of our budget. This is a good lesson for kids to learn, too.

Read More

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

What Christmas Expectations Are You Setting for Your Children?

How I Plan to Have a Low-Cost Christmas

MelissaB
MelissaB

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in New York, where she loves the natural beauty of the area.

www.momsplans.com/

Filed Under: Holidays & Vacations Tagged With: Christmas Gift, expensive gift, gift giving

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

November 9, 2020 By MelissaB 2 Comments

 

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

MelissaB
MelissaB

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in New York, where she loves the natural beauty of the area.

www.momsplans.com/

Filed Under: Children, Married Money Tagged With: Christmas Gift

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