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Stretch Your Holiday Budget: 3 DIY Christmas Pins

Every year, we make a budget for Christmas. And almost every year, the budget goes up and we go over it regardless! While it’s typically not too much over budget, it’s still not a good habit. Our credit counseling solution is to find a way to cut back spending. This year, we are using some DIY presents to stretch our budget and stay within our means. If you are already working on reducing credit card debt, keep your finances on track with these 3 DIY Christmas pins.

ACCC hopes you save money with these DIY Christmas pins!

ACCC hopes you save money with these DIY Christmas pins!

DIY Christmas Pins to Save Money This Holiday Season

While it’s a very joyful experience to give presents and treat friends and family, no one wants you to have extra stress, more consumer debt or feel bad about not giving gifts. That’s why we need to be creative and make our holiday budget stretch to accomplish as many goals as possible.

Holiday spending goals or budget items may include a number of things, like:

  • Christmas Gifts
  • Hosting a Party
  • Attending a Party
  • Office or Friend Gift Exchange
  • Spending Less Than the Year Before
  • Staying on Budget
  • Use a Holiday Budget Worksheet
  • Buying Christmas Decorations and Supplies on Sale

Staying on budget is never more important than when you are facing personal credit card debt. The holidays are such a spending trap! Making a plan and sticking to the budget is critical. To make sure you can achieve this financial goal, try some of these DIY Christmas pins to save money.

DIY projects can cover almost anything. Think through decorations, gifts, even food items. You can save money on most things by doing it yourself. However, if you are not crafty, tread carefully. Know your skill level so you don’t end up spending more to fix your mistakes! You may just have to really work hard to find sales, deals and other ways to accomplish your goals.

3 DIY Christmas Pins

DIY Snowglobes. This could be a gift, decorations or a craft activity for the family. We love how versatile this DIY project is and the price tag. You may have all or most of the items needed already at home. Be creative, and use their steps as a guide. This pin is courtesy of the Make & Do Crew.DIY Christmas pins

50 Christmas Fudge Recipes. This is another idea that works on a few levels. You could easily give Christmas fudge as a gift, bring to a party, prepare for your own party guests, etc. Make large batches and use cute tins from the Dollar Store to hand them out. Everyone loves food. Give the people what they want! This will certainly keep your budget low, but very classy.christmas-fudge-budget

$10 Thoughtful Gift Ideas. Still, need a few gifts? Check out this final DIY Christmas pin for a few ideas. Books, socks or items to help them with their hobbies can all be thoughtful without breaking the bank.10-christmas-gifts-accc

If you’re struggling to pay off debt, schedule a free credit counseling session with us today. 


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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