I stopped celebrating christmas in the 1970s. That means I dont spend money I havnt got or get huge bills in January. I know that many of my friends and relations envy me.
I wouldn't know a single person who would envy this. Let alone "many." Like PP, I would lean towards your friends and family being polite, not envious.
Due to the bargain thread on here, things I've collected over the years, I don't remotely spend money I haven't got, (again, I don't know anyone IRL who actually does that) and far from a big bill in January, I'll be done shopping by November at the latest.
Things that will cost me zero again this year:
(and the next, and the next..)
The huge stair garland, wreath, and two small trees that I made for the hall. All of DS1 decorations he's brought home from school that decorate the kitchen windows. The BH tree that I can do in one of four colour schemes. The JL frosted berries tree in the dining room that DC do as a woodland animals tree. Both pre lit so no faffing with lights, just straight onto a glass of Bailey's and putting the decs on.
The wooden Christmas Eve box engraved with our family name, that contains over a decades worth of wind up toys that DS has received in his stocking each year since age 3. A beautiful Robert Sabuda pop up Night before Christmas book, that again is about a decade old. And all the cards we receive from our international card exchange will be in there to open on Christmas Eve together. Actually I'll have spent about £30 on stamps there. So we're £30 in now.
Our matching sacks and stockings which will be used for every year DC live at home, then passed onto them. The big ceramic serving bowls for nibbles, with gold stars and mistletoe, and are truly beautiful, passed to me from my grandmother. The two tablecloths, one with little angels at the hem, the other with large bows, that I made aged 16 for my GCSE textiles, that come out on Boxing Day.
The two Christmas jigsaws that come out on Dec 1st to be completed by Christmas Eve, one from DM, one from a little Dutch market 6 years ago.
There's probably more. You get the idea. And my bill for all that this year, is zero. Plus £30 p&p 