The image features a graphic of a Christmas tree with a polka dot pattern. The tree is predominantly green, with the dots appearing in a lighter shade, possibly white or light gray. The tree is centered in the image and is the main focus. Below the tree, there is a text that reads "It's beginning to cost a lot like Christmas." The text is in a casual, handwritten font, with the words "It's beginning to cost" in a larger, bold font, and "a lot like Christmas" in a smaller, regular weight font. The text is colored in a shade of blue that complements the green of the tree. The overall style of the image is simple and festive, with a clear message that seems to be a play on the phrase "It's beginning to look a lot like Christmas," suggesting a humorous take on the holiday season.