You can always save it for Feb 14th .....

OR what if you tell him the quilt is what you made for both of you since you won't be giving gifts?

wrap it and save it, if he gives you something then you have his gift already, if he doesn't give you anything then just give it to him after christmas

I'd give him the quilt.

Oh I am in the same situation. The gent in my life is down on funds. Well, I have a little something for him and I don't expect anything in return. I would rather bills be taken care of. But I did ask for his help around the house sometime after Christmas helping me get my house organized. Like clearing out closets, getting the basement organized. Actually, it gives me peace of mind knowing his bills will be paid, small presents bought for children & grandchildren and I get help around this house. Give him the quilt and then just ask (or not, your choice) for some plain old help.

I would tell him now that you made him "a little something" and leave it at that. Give it to him on Christmas. That will give him a chance to give you a littlle something (a coupon book of chores, a massage...your favorite candy bar) That way its up to him if he wants to feel bad by giving you nothing.
Gifts don't have to cost money. Many a Christmas there was nothing left for my husband and I to exchange store bought gifts. But that doesn't mean we didn't exchange gifts.

I say give him the quilt. This is a gift for both of you. It is gift of love for your husband and a gift to you for being able to share that love with him. Never lose an opportunity to show your love life is short , I know because this is my first Christmas without my husband who was killed earlier this year.

Well I would just have said right out 'But I have yours already!'. I generally favor speaking up in situations such as this- it saves on misunderstandings and resentments.

I say give it to him as a poster said: Give it on New Year's Eve. IMHO, he doesn't know what to give you or doesn't want to go shopping for something, so he made the announcement.

I would not give him the quilt. You will make him feel awful and it will not have good memories. Enjoy the food, the lights, the carols and God. Perhaps you need to have a calm discussion about finances after Christmas. Sounds like you are not on the same page.