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Overspending At Christmas

Updated on August 16, 2013

Swipe Away

Visa and MasterCard
Visa and MasterCard | Source

Spend, Spend, Spend

Okay shopper’s you have approximately seven days left, get out there, swipe those credit cards and max them out, drain that bank account cause Santa’s coming to town.

No need to worry about January bills. They are not due until next year, no worries; I’ll just pay the minimums. All that matters is how much money you can rack up for Christmas this year. If you hurry you can probably still get a quick loan from the bank or better yet a payday loan. Just tell them you that you get paid at the end of January.

What do I really think?

I honestly don’t really believe in all that I just wrote up there . But I do feel Christmas is far too commercialized. When the stores start putting Christmas stuff out before Halloween is even over, it upsets me. Christmas is supposed to be a time of Joy but where’s the joy when for many people the January bills start rolling in?

OOPS overspent yet again another year. May take me all year to pay these bills off. I do realize that not everyone does this, myself included. I procrastinate about Christmas shopping until the last few days before Christmas. When I was younger I would have most of my shopping done by the end October. But now that I am older it takes me that long to figure out the perfect gift to get for those that I am giving to, or to finish making them their gift.

Twas a Week Before Christmas

It’s a week before Christmas

And nothing is done

No lights a hanging

No baking is done

No presents are wrapped as none were bought

Credit cards are tanked

Not a penny in the bank

This year for Christmas we’ll still be okay

As we have love in our hearts everyday

Christmas does not mean you have to spend

You don’t have to borrow or look to someone to lend

You better watch out, you may overspend

The bill collectors will be calling

And they’re not your friends

Christmas time is here once again

Don’t buy a bunch of junk

Buy them something they need

They may not like it right away

But they’ll use it anyways

                                                 ……..or re-gift it perhaps

Santa Claus is coming to town.

Have a Merry Frugal Christmas

I didn’t write this to be a downer to anyone, I just this year feel so strongly that people really do tend to over do, over indulge, and over spend at this time of year. If I have offended anyone I am sorry.

Hopefully this year with the economy being as it is, people will be more frugal and maybe save some of those hard-earned dollars for the rainy days that may just come.


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    • Just Ask Susan profile image

      Susan Zutautas 4 years ago from Ontario, Canada

      Thanks acaetnna, Merry Christmas! :)

    • acaetnna profile image

      acaetnna 4 years ago from Guildford

      Awesome and such great advice. Thank you.

    • Talullah profile image

      Talullah 5 years ago from SW France

      Some great advice. I do think that Christmas has become very commercialised but I also think that no-one has to buy into that side of it. Lately, I've been making things (mainly knitting and crocheted items using patterns found free online!) for Christmas presents, and that has saved me a small fortune!

    • kikibird03 profile image

      kikibird03 5 years ago from Earth

      This looks like you posted it last Christmas season, but it's timely advice this month, I'm new, so I want to let you know I enjoyed your hub! You are so right. I've been on the bad end of the buying spectrum in the past, and like you, I buy everything a few days before the day! I don't know why, I always have. But this year I am really simplifying everything, no one needs that much stuff these days, and I am going to soak in the beauty of this season. I listen in the silence, and I can hear the spirit of Christmas, and it's wonderful! Can't find it in a store.

    • Mike Lickteig profile image

      Mike Lickteig 6 years ago from Lawrence KS USA

      It is really easy to overspend--I am guilty of this a little, although the credit card has stayed at home this year. It is easy to buy gifts as a way of showing you care about people, forgetting sometimes that there are other, equally valid ways to show you care.

      I'm doing pretty well this season, at least.


    • Hmrjmr1 profile image

      Hmrjmr1 6 years ago from Georgia, USA

      Great Hub Susan, As a widower and a surviving Father, not much need to spend anymore even my most valuable thing which is time with my family, This year though I'll get to spend that with my Veteran friends at the VA Hospital so I will be rich at the end of the day having spent every minute of what I have. Merry Christmas

    • brandrocker profile image

      brandrocker 6 years ago

      Terrific hub. I agree with your idea of not spending money on things, which we won't use for long. Absolutely wastage. Thanks.

    • Pamela99 profile image

      Pamela Oglesby 6 years ago from United States

      Great advice. I plan ahead and keep things in perspective. I don't want to pay for Christmas months after the date. Merry Christmas to you and your family.

    • prasetio30 profile image

      prasetio30 6 years ago from malang-indonesia

      I see about Christmas with different side from you. But you made Christmas so special. Simple life is important where we have to maintain our spending. Especially for special day, like Christmas. But in other hand, the people celebrate this once in a year and they want this become a special moment. Very inspiring hub. Thanks for share with us. I give my vote for you. Have a nice weekend.


    • carrie450 profile image

      carrie450 6 years ago from Winnipeg, Canada

      As much as I try to not overspend, I always do a little. Next year I will buy throughout the year to make it easier.

      That's my new year resolution and I'm going to stick with it :)

      A great hub Susan and Merry Christmas to you and your family.

    • profile image

      Christy Zutautas 6 years ago

      Great hub! It is so very true. I want Christmas to be about the pure joy and merriment, but when my kids friends are getting iPods, iPads, computers and even snow mobiles as Christmas gifts I find myself feeling extremely pressured. I work as hard as I can to spend it all so no one will be disappointed. When you actually stop and think about really is stupid.

    • Just Ask Susan profile image

      Susan Zutautas 6 years ago from Ontario, Canada

      Glad you liked it Kevrock and Seeker, yes it is so nice not to have those extra bills.

    • Seeker7 profile image

      Helen Murphy Howell 6 years ago from Fife, Scotland


      Really enjoyed this and how true it is. Many people will think I'm crazy, but I do start to shop at the end of the summer - just bits and pieces at the autumn sales usually from on-line. It saves a fortune and I don't need to worry about items being delayed by the Christmas rush. Also Christmas is really paid for by the time it gets here. My family and I all agree on the budget now a days and stick to it - it does make a difference. Great hub and I hope many people will take note of it - it's great going into the New Year without a mountain of bills.

    • kevrock529 profile image

      kevrock529 6 years ago

      Great Article! I think another problem, which I am guilty of, is ordering gifts online last minute and have to blow a ton more money on express shipping. It definitely pays to shop early even when ordering online.

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