To be honest, Christmas has always seemed like a net financial win to us
What I mean is:
we don't do extravagant gift buying, and half of the gifts we give our things we make or bake
we get paid time off work
it's a time when we get "free stuff" at work - free food, free booze, sometimes gifts (if we've done particularly well)
our families are very generous and gift us stuff - particularly stuff for DD - even despite our pleas.
so many free and fun events - parades, lights, skating, etc.