Ruby, I think you're very brave, and probably having the sort of Christmas that many of us would prefer, but don't have the nerve to be the first in the family to do it. Even in a normal year many families live far apart and don't see as much of each other as they would like, so just getting together at Christmas, to have a lovely meal together and just enjoy each others' company would be perfect. Christmas is far too commercialised these days and creates so much stress and debt for so many, simply in order to do what everyone else does. Christmas should be for the little ones and family get togethers. It doesn't have to cost a fortune. I would, though, still send cards to people I won't be seeing, and if not a tree, then a few nice displays of holly and various evergreens would be nice, and don't cost anything.
Each to his own, though, and everyone's Christmas should be just how they want it to be - hopefully happy, in the company of people you love and stress free.