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“People really have to keep it in perspective,” said Tawra Kellam, one of the authors behind the blogLiving On a Dime to Grow Rich. “It’s about celebrating with family. It’s about taking time off work and having fun together. And even doing little things for Christmas can make it special.”

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Having a festive home is a seasonal mood booster, and repurposing items around your house as decorations is one way to start.

“If you can only do something small to make it special, that’s enough,” said Melissa Riker, the creator ofThe Happier Homemaker blog. “It’s the little things that are fairly easy and inexpensive to do that can add that special touch.”

If you don’t have old decorations, try deciding on a color theme then perusing your house for anything in those colors. “You might not think about them as they’re scattered through the house,” Riker said, “but if you bring them all together — put them on your mantel or add them to the centerpiece of your coffee table — you can really make a beautiful layout.”

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Instead of buying Christmas ribbons, you could purchase fabric and cut it into strips, using that to form your ribbons instead. And “if you’re putting ribbon on a Christmas tree, you don’t need to have a whole spool to wrap around it,” Riker said. “You can take shorter strands and tuck it in so it looks like it’s weaving in and out of the tree.”

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For a Christmas tree, look for discounts at craft stores, grocery stores, tree farms or hardware stores. Pre-lit trees may be less expensive than buying trees and lights separately. And don’t think that you have to use ornaments.

“One of my favorite things is a natural element tree,” Lancia said. “You’ve gathered your pine cones at the park. Now you’re going to spray paint them a glittery silver” and put them on the tree, in a bowl or on your table or mantel.

If you have a printer, look online for freeprintable decorations. “That is a really, really easy way to change up your decor without spending any money at all,” Riker said.

Gift giving can be monetarily stressful if that’s how you want to cheer people upafter a tough year, but frugal alternatives could show that appreciation, too.

“Everybody doesn’t need a gift; everybody doesn’t want a gift,” said Judy Woodward Bates, “The Bargainomics Lady” behind hereponymous blogand author of “A Bargain to Die For.” “Don’t get all upset because you can’t afford to buy gifts for everybody, because the purpose of Christmas is just to let each other know how much you care about each other.”

If you’re embarrassed about giving less this year, “fess up,” she said. “You will see the relief on other people’s faces, because it just takes one to be willing to say, ‘I’m strapped this year.’ Because most of these other people, when you just say that, will admit, ‘Hey, I’m in the same boat you are. Thank goodness you had the courage to speak up because I wanted to say it, but I was just afraid of how people would react.’”

Gift giving can get more complicated when you realize you’ll need wrapping materials, too — but by having realistic expectations and thinking outside the box, you can wrap gifts in creative and attractive ways, Kellam said.

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You could also stretch your food budget by reducing the number of appetizers and sides, or finding pared-down versions of traditional recipes. Brooklyn Farm Girl, a cooking and gardening blog, has an online collection of30 Christmas dinner recipesthat you can make with less than $10.

Limited funds may have changed your holiday traditions, but you can still throw an entertaining, memorable holiday. You could:

Being more intentional about how you celebrate Christmas this year may make the holidayall the more special. And learning how to bargain and celebrate with less can have long-term impact on your life and approach to holidays even once you’re more comfortable financially.

“It’s a fun game to use our creativity and make everything,” Lancia said, “and then also feel good about not needing to shop and not needing to spend money to make a fresh and festive home. ”

【 - Free Exclusive Access to Stock Gurus 】’s Sandee LaMotte and Katia Hetter contributed to this article, which was updated from a 2020 story.

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