The image features a black and white illustration with a festive theme. At the center, there is a large banner that reads "It's beginning to COST A LOT LIKE CHRISTMAS" in a playful, handwritten font. The banner is adorned with a ribbon and a Christmas ornament, adding to the holiday spirit. The phrase suggests a humorous take on the expenses associated with the holiday season. The overall design is simple yet effective in conveying a holiday-related message.