A personal reflection from Margaret Bearsley, Chief Executive, Anglican Financial Care
Christmas is one of the most joyous times of the year. A season to gather with loved ones, and celebrate the birth of Christ.
Yet for many households, it can also bring financial pressure. Research shows that a growing number of New Zealanders rely on credit cards or ‘Buy Now Pay Later’ services to cover Christmas costs, leading to increased strain in the new year.
This Christmas, let’s rediscover the joy of time spent together, and the peace of simplicity. By focusing on faith, family, and gratitude, we can celebrate in ways that honour Christ and protect our financial wellbeing.
Reclaiming the meaning of Christmas
We all know it – over time, Christmas has become increasingly commercialised. Advertising, social expectations, and the desire to give generously can all make us feel that bigger and shinier is better – but the heart of Christmas tells a different story.
The birth of Jesus reminds us that the most valuable gifts are not wrapped in paper or measured by cost. Rather, they begin first of all with reflecting on God’s love-story with us: the Incarnation, through the birth of that tiny babe. The best Christmas gifts flow from gratitude.
“But the angel said to them, ‘Do not be afraid. I bring you good news that will cause great joy for all the people. Today in the town of David a Saviour has been born to you; he is the Messiah, the Lord.’” – Luke 2:10-11
When we keep Christ at the centre of Christmas, we remember that the season is not about possessions, but about celebrating the hope that came into the world through Christ, and sharing that hope with family and friends.
Practical ways to celebrate wisely
Thoughtful planning and creativity can make Christmas just as memorable – without the financial stress. Here are some simple, meaningful ways to celebrate wisely this year:
- Host a potluck family dinner. Christmas meals are often one of the biggest expenses. Instead of taking it all on yourself, agree with the family in advance that everyone brings a dish. You could make it fun by setting a theme like family favourites or Christmas around the world. It’s a simple way to make everyone feel part of the celebration while keeping costs down.
- Create handmade or meaningful gifts. The Magi brought precious gifts, each one rich in meaning for the baby King of Kings. But the heart of Christmas giving for Our Lord’s followers lies in intention, not expense. A gift made with time and care, like a framed photo, a recipe book of family favourites, or a jar of homemade jam, often means far more than something store-bought. If you’re not crafty, consider a “gift of service”: mowing a lawn, babysitting, or cooking a meal as a gift.
- Use recycled or creative wrapping. Instead of expensive wrapping, reuse paper or do creative wrappings – old maps, children’s artwork, or left-over pieces of fabric. These small touches show thoughtfulness and care, while reducing waste. Collect gift bags and ribbons throughout the year to reuse. The savings add up and so does the sustainability.
- Set boundaries and budgets. Stewardship is about using what we have wisely – being transparent and intentional honours both God and each other. Talk openly with your whānau about expectations, before December if possible. Suggest a price cap for gifts, or try a Secret Santa draw where everyone buys one thoughtful gift. Or agree together that gifts will only be given to the children, and the adults can focus on spending time together. This keeps generosity focused and helps remove guilt or pressure.
- Give the gift of time. Our time can be one of the most loving gifts we offer. Acts of service, shared experiences, and simply showing up can be priceless. Join together with the extended family and all go to Midnight Mass together – see if you can out-sing the choir! Plan a family picnic, volunteer together, or spend an afternoon visiting someone who might feel lonely this Christmas.
- Be mindful about borrowing. With credit cards and ‘Buy Now Pay Later’ offers everywhere, it’s easy to overspend. Before each purchase, pause and ask: Will this bring lasting joy, or just a temporary moment? Staying within your means brings peace of mind long after the wrapping paper is gone. Set a total Christmas budget (gifts, food, travel) and divide it across the coming weeks so you know what’s affordable.
“And do not forget to do good and to share with others, for with such sacrifices God is pleased.” – Hebrews 13:16
When we choose simplicity, we create space for gratitude and connection, and that’s where the real joy of Christmas is found.
A faith reflection
At its heart, Christmas is about Love coming into the world, in the most unexpected and extraordinary way. The birth of Christ is the Greatest Gift we will ever receive. A gift that offers peace, hope, and renewal. As we celebrate, may we remember that living within our means is not about doing or having less; it’s about making space for what truly matters.
This year, may your Christmas be filled with light, laughter, and the quiet joy of knowing that the greatest treasures cannot be bought – they are gifts of Love – Love accepted, lived, and shared.
The New Zealand Anglican Church Pension Board trading as Anglican Financial Care is the manager and issuer of Christian KiwiSaver Scheme, The Retire Fund and The New Zealand Anglican Church Pension Fund. Product Disclosure Statements and Fund Updates are available here: https://angfincare.nz/news-and-knowhow/forms-and-documents/