Bangalore: Christmas is the most celebrated festival in the world.  People get busy in their own way preparing for the great day from decorating the Christmas tree, packing gifts and baking cakes.  But for many people the holidays bring financial stress with them. Imagine the amount of money that is drained into gifts, wrapping paper, Christmas trees, decorations, greeting cards, and family party. The cost of them all can be burdensome for families who are struggling this year due to layoffs, unemployment and other financial setbacks.

So what if you are having a financial problem you can still celebrate Christmas with some creativity and planning. Here are some tips to celebrate the most affordable Christmas.

Give What You Have

If you don’t have the money to buy gifts, using a credit card to purchase them is definitely not a wise move. Don’t ponder on what your friends and family members are expecting from you. It is better to limit yourself within the financial boundaries. Splurging on gifts using a credit card can trap you in debt in the longer run. And giving a gift does not require buying a gift. Use your creativity and come up with ideas for homemade Christmas gifts. The entire family can involve in this. You can consider gifting baked food stuff, homemade gift basket, you can sew something. It is essential that you know your limits.