The silly season is here! But, of course, so are the ongoing bills and cost of living crunch. In this festive episode, Jennie and Liv tackle one of the toughest challenges of the year: how to enjoy Christmas without blowing the budget. They share some practical, creative ideas for saving money, setting expectations with family, and finding fun in over summer even when times are tough.This episode covers: • How to set realistic expectations with friends and whānau around Christmas spending • Creative ways to save money on food, gifts, and decorations • Potluck dinners, Secret Santas and DIY gifts that still feel special • Reframing the guilt around money and celebrating what really matters • Why it’s okay to focus on “now” instead of “later” when times are toughResources mentioned in this episode:- Simplicity KiwiSaver & Investment Funds – gift a KiwiSaver or investment fund contribution this Christmas: https://simplicity.kiwi/gifting-funds- Auckland Council – Movies & Music in Parks (free local experiences): aucklandcouncil.govt.nz- City Mission Christmas Appeals – donate food or gifts: aucklandcitymission.org.nzChristmas doesn’t have to mean chaos - or credit card debt. We're here to remind you that joy doesn’t come from spending big, but from connection, creativity, and community. Whether it’s a kindness advent calendar, a thrifted Secret Santa, or simply a beach breakfast in your togs and PJs, there are plenty of ways to make the season special (and stress-free) on any budget.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

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