The image features a festive holiday greeting. The text is written in a playful, cursive font and reads, "It's beginning to COST A lot like CHRISTMAS." The phrase is a play on the traditional holiday song, "It's beginning to look like Christmas." The text is colored in red and green, with the word "COST" highlighted in a larger font size, suggesting a humorous take on the holiday season. The background is plain white, which makes the colorful text stand out.