I grew up pretty well off. My father had a good education and a government job. We owned our own house and my parents had 2 cars. My mom stayed at home and we had an above ground pool with a deck. I never went hungry because of a lack of food. My parents were able to do things like buy a little sailboat and afford lessons now and again for my sisters and I. I know we were not rich by any stretch. My parents extensive skills and frugality played a big part in our being able to live the way we did. My father did all the carpentry, plumbing, and wiring in our house. He fixed our cars, scraped and painted the siding, installed the pool, built the deck etc. My mother cooked our meals largely from scratch, sewed and repaired our clothes, knit our scarves and mittens, tended our vegetable garden etc.
When I grew up and left home I was side-swiped by life. I had no idea what I was doing and hadn’t been taught anything by my parents. I didn’t know how to cook, or use a washing machine, or a dishwasher, I didn’t know how to manage money. I worked for minimum wage as did my boyfriends and later my first husband. I went from having no worries to having nothing but. I spent over 15 years of my adult life living in various levels of poverty. I had 2 kids in my first marriage. I was married for about 6 years before I left with a 3 year old and 6 week old. We never rose above poverty and when I left I was on welfare and such for 2 years. By the time I was on my own I knew how to cook but I still didn’t know how to manage money well because my first husband refused to give me access to any. I had thought about it a lot though and I figured out how to keep things level on my tiny budget. The first year on my own was something of a shock.
I don’t know if I’ve said before but I spent my first marriage in what is sometimes called a “high control group” or what normal people call a cult. It’s a friendly neighborhood cult that I am sure you’ve run into. Maybe it works for some people, don’t know and don’t care, for me it became a kind of prison. The cult gave my first husband permission to be in charge of me and that was an ugly look on him. Eventually I found a way to leave but it was difficult and involved lying about money and a secret bank account. (for fleeing money) That’s it’s own story. I want to talk about the holidays and a lack of money.
I left my first marriage on November 1st 1996 and got into a subsidized apartment 21 days later. My welfare hadn’t come through yet, it was terrifying, but I had WIC and food stamps and my fleeing money which wasn’t much. So it was very near to Christmas and it was my kid’s first Christmas, both of them, as the cult forbids the celebration of any holidays. I was feeling so, so bad that I couldn’t do almost anything for my kids. The 3 year old was finally getting exposed to the celebration, the excitement etc, and I couldn’t even put up a tree. I didn’t have a single string of lights, or a holiday dishtowel or anything. No worries, we’d have xmas day at my mothers and her house looked like Santa decorated it himself. I spent $50 on each of my sweet babies, all I dared to. They each had 3 toys from their mom. It felt small and sad to me, I’d grown up in a fair blizzard of presents between my parents and grandparents. It was fine really, my mom and other family members and some friends all got things for the kids and the 3 year old was thrilled with everything.
So, after that first, kind of sudden holiday, I told myself next year would be very different. Our apartment would be decorated, we would have a tree and all that stuff. The kids could wake up xmas morning and come downstairs and see presents and have that morning in their PJs. I had a plan. My Christmas shopping for 1997 started in January. I knew what my income would be for the year, very low, so I knew what I could spend. My friends had given me ornaments for xmas 1996 so I had a few to get me started. I shopped the after xmas sales. Craft shops like Joann’s and Michael’s heavily discount holiday decorations and craft bits after the holidays pass. 50%, 75%, I’ve seen 90% on some things. I picked and I chose and price was very much an issue. I got holiday craft items I could use to make presents for friends and family too. In all I spent under $25 but I had decorations for my future tree, dishtowels, pot holders, a few wall decorations etc. The rest of the year I shopped in thrift and junk shops, tag sales etc. and I picked up toys, books and other gifts for my kids. By December I had plenty for them.
That’s how I did things for years. I kept my eyes open for great deals all year long and kept my finds hidden away. I also kept grandparents in the loop for things the kids needed that I couldn’t fit in the budget or didn’t have the luck to find in the right size on the secondhand market. My mom bought snow pants, boots, sleds, and brand new toys that hadn’t made it to secondhand stores yet. I was lucky to have friends and family who could afford some of the things I couldn’t but I recommend my general method to folks who are struggling with the expense of the holidays. My Decembers were no more expensive than any other month back then. I wasn’t taught how to manage money or run a household but I did have my parent’s examples to look back on and I figured it out. I’m not saying that anyone, anywhere can replicate what I did, but I think the strategy can HELP…. like for next year because the holidays are right on top of us now.
I’m at a point now where I can spend some money on the holidays. It was an uphill battle getting here and it took a long time. I still buy lots of used gifts for my kids, my husband, family and friends. I still make a lot of gifts too! I knit scarves, make mittens, lip balm, etc. I still shop the after holiday sales in case there is something I stumble across that would help me make great gifts for the next year. I’ve taught my (grown and nearly grown) kids to bargain shop and make presents when they can. My son makes paintings for gifts sometimes, one of my daughters usually paints miniature figures, bought cheap, for everyone. (We’re all gamers)
That’s the quick and dirty version of my advice or whatever. I have a lot to say about the whole idea of making holidays non-stressful and inexpensive and everyday survival budgeting. I know my idea don’t work for every situation, I know they aren’t magic, I just know they can help some people so I want to share.