Faith & Finance with Rob West
Christmas is meant to be a season of joy—but for many of us, it becomes a whirlwind of overspending, overcommitting, and feeling overwhelmed. The good news? It doesn’t have to be that way. With a bit of planning and the right perspective, you can slow down, simplify, and savor what truly matters. Today, Crystal Payne—creator of MoneySavingMom.com—shared practical ways to simplify Christmas while keeping your heart centered on Christ. Here’s a look at her best advice for making this season more peaceful, meaningful, and budget-friendly.

Before diving into logistics or budgeting, Crystal encourages families to anchor the season in what matters most.
1. Practice Daily Advent ReflectionsHer family uses Ann Voskamp’s Advent book, complete with ornaments and daily devotionals. The readings are short, kid-friendly, and a gentle, daily reminder of the story at the heart of Christmas.2. Create a Family Giving ProjectEvery December, Crystal’s children choose a giving project—something meaningful to them—and the whole family contributes. The kids even make donation boxes and help gather change throughout the month. It’s a hands-on way to practice generosity and keep the focus on others.

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For many people, gift-giving is the biggest stressor in December.
Crystal recommends asking yourself:
If your list and budget don’t match, consider simplifying:
Overspending is easy at Christmas—but planning helps.
It’s too late for this season, but Crystal encourages starting a Christmas sinking fund in January. A little each month makes December much lighter.
If you shop online, buying prepaid gift cards (or using ones earned through surveys or reward apps) helps you avoid overspending. When the card is empty, the shopping is done.
If money is tight this year, you still have wonderful options:
Food prep can dominate December, but Crystal suggests planning ahead:
A few hours of prep can give you more space for the moments that matter.
Crystal offers several delightful ideas to create memories without adding stress.
Each family member chooses one or two special activities. That’s it. This keeps the schedule joyful rather than jam-packed—and ensures you’re doing what everyone actually values.
Wrap books you already own and open one each day in December. Kids love the anticipation, and it becomes a shared daily moment.
Because they travel to visit extended family, Crystal’s family sets aside a full “Christmas Day” together the week before. It allows them to savor time at home without rushing through traditions.
Crystal’s top principle: Ask, “How can I make this easier?”
A few of her go-to strategies:
Simplifying isn’t just about doing less—it’s about doing what matters most with more peace.
Crystal’s wisdom reminds us that Christmas doesn’t need to be hectic or expensive to be meaningful. With planning, intention, and a focus on Christ, you can give joyfully—not regretfully.
May your Christmas be simple, joyful, and centered on what matters most.
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