The holiday season is just around the corner, and with it comes the excitement of Christmas festivities. From twinkling lights to cozy gatherings and heartfelt gift exchanges, there's no doubt that the magic of Christmas warms our hearts. However, it's also a time when expenses can quickly spiral out of control. Embracing frugal living before Christmas can help you enjoy the season to the fullest without breaking the bank. In this guide, we'll explore some practical tips to have a joyful and aff