We decorate, have a tree a few days before Christmas, Listen to carols, bake cookies... and if presents are given, they are homemade.
We have enough 'stuff' and everyone else that I know does too, but we are all having hard financial times and no expects anyone to do anything more that greetings and good wishes.
I try to find a different cultural tradition to do each year: Cookies, a meal, a homemade decoration.
The pace is s-l-o-w, and my son enjoys it more that way. More family time, more board game time, more hot chocolate and talking about 'stuff' time.
I have felt like a scrooge when I could not afford to shower the extremities of family in presents and did anyway, but now that I do not, I feel less scroogie than ever.
you are not a scrooge, you are a non conformer. And that can be a good thing.