There alot of ways to stretch the Christmas budget. If you can start now, you have like 8 weeks or so till Christmas.
Are you and BF planning on exchanging gifts? I might suggest, just going the card route, and a date day - movie and lunch out - or whatever you like to do together.
All the Holiday extra's are where it really gets you in the budget... parties, luncheons bring a dish, gift exchanges, secret Santa, hostess gift, donations to charities in the past, gifts for each of your families, or friends.
Are you buying gift for family members, now would be a good time to explain, maybe suggest a name exchange, and a limit on the gifts amount
Check out the black friday ads on line...look for coupon codes, free shipping and such to help with cost.
I have been racking up the stocking stuffer's, the last couple of weeks.
Load the target cartwheel app. - you can use the cartwheel and manufacturers coupons together.
Start buying for holiday baking now. Check out Aldi... I was there this week and picked up so much stuff for my Holiday baking, I got brown sugar and powder sugar for .95 cents for a decent size bag.. Vanilla, cooking and baking sprays, other seasoning, flour, sugar, marshmallows, and rice cereal.
Teacher's gifts, keep it simple - Starbucks Dunkin Donuts or a gift card anywhere like Target or even the dollar tree is appreciated. You can give a 5 or 10 dollars GC and have the 10 year old make her a card... and your all done. My friend when she was teaching got tons of stuff she really could not use while she appreciated it most got put away and not used.... she said that GC were nice, and they got used. Also over the years, she received new crayons, colored pencil, cases of Kleenex and paper towel, colored paper, and glue which was really well used.
Will the 10 year old want to exchange gift with some friends? Hit the dollar store, target dollar zone, Michael's also has a dollar zone. One year picked up a package of small stockings I think there were like 8 or 10 in the package for around 3.00 at hobby lobby, then I got candy canes, nail polish, clippers, and nail polish remover wipes, and emery boards and made stocking with this stuff and all the girls loved them. One year I found ornament kits in a clearance bin for like .50 each... I saved them and DD used them for Christmas gift for her friends.
Will you be going to family for any holiday meals, and you need to bring a dish... meatless side dishes.. pasta, rice dishes are normally less a lot less expensive.