No need to perform a perfect holiday

Surveys show that more than half of Canadians struggle with financial stress during the holiday season. And if you grew up in contexts marked by financial instability, poverty, or fear for basic needs (or if this is still your day-to-day reality), this time of year can feel especially activating. You may notice old money wounds resurfacing, asking to be seen, tended to, and perhaps even transformed.

Signs you may have financial wounds worth exploring:

1. A scarcity mindset that keeps you in a constant fear of lack.
2. Avoiding conversations, decisions, or responsibilities related to money.
3. Overspending or hoarding as a way to cope with feelings of insecurity.
4. Shame, especially when your sense of worth feels tied to your financial situation.

And as you move through this season, here are a few gentle reminders:

1. Create a budget that reflects who you are now, not who you think you should be. Let it honour your values and your current capacity, not perfection.
2. Meaningful doesn’t have to mean expensive. Small, sincere, cute gestures – a handwritten note, a shared walk, a thoughtful call, a warm hug – often stay with people far longer than any gift.
3. Be honest about your capacity. It’s completely okay to say that you’re spending less this year.
4. Plan ahead with compassion. If it feels possible, consider starting a small holiday fund in January, or reflect on what you’d like to do differently next season.