I know it’s a bit obvious to say, but writing down everything, with a cost, and adding it up is an eye opener for me. It shifts things from “and just this little extra thing” to “I don’t really need that”.
I have a practice in the supermarket of always taking something out of my trolley before I go to the tills. In December I take out 2 things, and Christmas week I take out 3. If sounds miserable but honestly it can be a relief because I very often have an ill considered impulse and it’s helpful to have a pause and time to think.
supermarket stress is really costly this time of year. The traffic is heavier, there’s more people, the queues are longer, it takes longer, and people are lost in thought and a bit (or a lot) rude. Schedule extra time, eat before you go, make a list (or better yet don’t go at all). If you shop in the aisle of crap supermarkets you can have said “no” to some fripperies so many times, that it’s easy to feel like you’ve earned it in a weak moment. That’s where the pre till check helps.
I have to actively remind myself that the goal is peaceful stress free Christmas and buying more stuff is almost never the way. I don’t need more clutter, two extra side dishes to cook, more gifts to wrap. It’s not just money - it’s almost always going to cost more time and energy too.
A life changing gift tip I’ve learned is to ask people what they’d like for Christmas, face to face so you can say “ha ha wouldn’t we all, but seriously! My budget is…” to the greedy ones! Saves a ton of stress thinking about the hard to please ones, and cuts out the extravagant wish lists. If someone says they don’t want anything I just say “oh that’s great. Me too. Let’s do lunch in the new year” and if they say “surprise me” they’re getting a gift card. End of.