The first holiday season in your new home is a special time for creating memories. Decorating your house for the first time is an exciting part of the festivities, but it can also be stressful — particularly for your bank account.

After making a down payment on your new home — plus paying for a home inspection and other moving expenses amid high inflation — spending more money on holiday decor might seem unthinkable. And if you’re still shopping for a new home this holiday season, it can feel frivolous.