Where I was struggling financially with my young family it really helped for me to turn the focus from receiving gifts to giving. I would encourage the kids to make chocolate crispy cakes or cookies for the school fair /for Father Christmas and we would talk about what Christmas is all about, our happiest memories, how different people and places across the world celebrate. I would get a few packs of dog treats across the year when on offer and we would take them to the local cats and dogs home festive fund raiser and we could have 50p each to buy a certain person a present from the jumble stalls to wrap up and put under the tree. They loved at it wasn't because we were struggling, it was a challenge to find the best present that somebody would love for 50p. This was before we knew what secret Santa was.
On the same path I got a charity shop nativity second hand, quite big. This was about 12 years ago. The people are the size of Barbie's but over the years quite a few bits have gotten broken or gone missing so it's kind of morphed. Baby Jesus was eaten by a dog so he's been replaced by a key ring sized donkey kong from the charity shop. One of the shepherds hands broke off and my DH glued on a hook. Then a pirate hat appeared on his head. No we have dinosaurs in it, Lego trees, a hula girl and every year something new appears, secretly dropped in by family or friends. My kids are 26, 25, 20 and 16 and all of them still love the nativity and check on it every time they visit in December. You could easily buy action figures or get them free in a bundle from your local FB pages and use acrylic paint/ fabric scraps to start your own slightly barmy nativity.
My kids always enjoyed the local church Sunday school and service on the run up to Christmas and it meant we were warm, with friendly people, got to make lots of crafts and got biscuits and juice while learning all about Christmas
If you have a local petting farm they often do reasonably priced festive events. Otherwise go on a light walk and take a hand drawn street map. Mark down each house number with a good display and take a photo. When you get home go through the photos and vote which are the best. Call it The Best •town name• Light Off . Maybe write a note to the people that live there telling them how happy the lights made you and how much you appreciate it and if you have an old stamp lying around, post that letter. Or just post it through the door. Spread joy, not commercialism.
I find what inspires real happiness in me is complimenting people. Try one a day to start. The look of genuine surprise on the faces, followed by a smile gives me the warm fuzzies.