Festive Frugalist Pillows

"Who needs a tree?"

'... So what does a half a tree cost?'

"To help with your expenses, I'm happy to wait until the after - Christmas sales!"

Austerity Christmas Crackers.

Christams gift ideas - January sales catalogues.

'What do you do with the time you save?'

Tree in Dollar Shape.

'Ho,ho,ho, but can you be more specific?'

"I don't know...seems like budget cuts have gone pretty far this year."

"You really clean up on these mileage deductions, don't you."

Help! Have to pay back a big world bank loan.

Holiday Sales: The Starting Line

Two scottish gentleman debating over having Welsh rabbit

'Dave will only turn the heating on when he thinks it's absolutely necessary.'

"You can't be serious about all these travel expenses in December!"

'Since you only work one night a year, it will take centuries to build up your retirement account.'

"Okay, what's your next, more expensive security system?"

"Why pay for a tree in November when you can get one off the side of the road in January for free?"

'I could only afford a Yo.'

'Denied?...but it's my last one.'

"I am in training for the sales."

'You must know my kids...they spend like there's no tomorrow.'

"We've decided to cut back and have Christmas every other year."

"I finished my holiday shopping. I'm re-gifting presents I received last year."

"Armstrong, you're the cheapest cheapskate on earth." "Not yet, but a man can dream." "This toothache is killing me but I have no money and no insurance. Do you know where I can find a really cheap dentist?" "Of course. I can give you my guy's name. He works for peanuts." "I’ll get a pen." "You’ll also need a passport and lots of penicillin."

'Right now I'd say our biggest asset is our credit card debt.'

'Stocks tumbled on the news Santa's credit rating was downgraded.'

"Yes, two-for-one's a great deal, but we don't need any freshly cut Christmas trees in June!"

"I'm the ghost of christmas past due."

"Do you have the time? We need to be home before Christmas shopping season ends."

Dad she's fallen into the cereal again!

"Oh dear, Mr. Kringle. I fear we may have to put you on our naughty list."

Pizza By The Slice

'You are always living in the past!' 'It's a lot cheaper!'

'Dear Customer - Due to economic cutbacks, this year we have produced a 'Round Robin' Christmas Card...'