Festive Frugalist T-Shirts

"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?'

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

Holiday Sales: The Starting Line

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

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

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

Two scottish gentleman debating over having Welsh rabbit

"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.'

"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.'

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

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

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

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

"I am in training for the sales."

"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.'

Dad she's fallen into the cereal again!

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

"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."

"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!'

'Christmas is considered to be a time of joy! Especially for the Credit Card companies!'

"This company wants to make money, NOT spend money. Turning on the lights would go against our goal."