Seasonal & Gift Guides

Saving Money At Christmas: Tips & Ideas

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Earlier this month, I wrote a post on why it’s important to look after your well-being during the holiday season. And I think we can all collectively agree that not only is this time of year stressful but money is one of the main causes of stress during the Christmas period. With Christmas getting seemingly more expensive every year, saving money at Christmas is really important for our own mental and financial well-being.

Saving Money At Christmas

Photo by Element5 Digital on Unsplash

Nobody wants to be stressing about money during the happiest time of year, when you’re supposed to be enjoying spending time with family, eating good food and relaxing at the end of the year. But the fact is, Christmas is a financially difficult time for a lot of people. And it’s a shame because surly that defeats the spirit of Christmas?

So, you ready to start saving money at Christmas? Here are some tips and ideas to get you started!

Make a budget – and stick to it!

Easier said than done, I know but going into Christmas with NO budget and NO idea of how much you’re planning on spending is likely to end in disaster. We all know how easy it is to get carried away with presents and decorations. So first and foremost, make a budget for the different areas of Christmas including food, gifts, decorations etc and try and stick to it.

Make gifts instead of buying them

Homemade gifts are no only a great way of saving money at Christmas but it can also be really fun and also provides the recipient with a special, one of a kind gift that they can’t just pop into the shop and buy. Homemade gifts can definitely be much more special sometimes, so why not give that a go this year, to ease the finances of buying gifts. Check out this post for some homemade gift suggestions!

Take out a small loan (Representative 466.37% APR)

If you’re good with managing your money, then taking out small Christmas loans could be an amazing option for you. It might help you take the pressure off over the Christmas season, allowing you more time to relax with friends and family. Morses club have produced this info-graphic which shows some extra ways in which you can focus on saving money at Christmas.

Utilize budget stores or charity shops

At the end of the day, when all your Christmas decorations are up, your house is twinkling with fairy lights and everyone is in the holly Christmas mood, nobody is going to come into your house and say, “your baubles are from the pound shop!” I personally think budget stores are BRILLIANT. And they’re definitely worth utilizing at this time of year.

Shop for gifts in the Black Friday sales

If you can wait until the Black Friday sales to do some of your Christmas shopping (unlike me, who likes to have everything done by like, October) then it’s well worth doing because you can make a TON of savings, just by shopping in the sale instead of at full price. Make a list of what you need and dedicate Black Friday (or any other sale days) to doing the majority of your Christmas shopping.

Buy stuff for the following Christmas in the Boxing Day / January sales

And if you’re REALLY thinking ahead, then buying bits and pieces for the following Christmas in the Boxing Day or January sales is a fantastic way of saving money at Christmas. You can grab wrapping paper, Christmas cards and decorations for incredibly cheap during this period so make the most of it and you’ll be saving money NEXT Christmas, before this one has even ended!

How are you planning on saving money at Christmas? Do you have any particularly good hacks or tricks that I haven’t mentioned here?

* This is an advertisement feature. All thoughts and opinions are my own. Morses Club have a representative 466.37% APR


Jenny in Neverland

Twenty-something lifestyle blogger from Essex. Book lover, Slytherin, organisational wizard and enjoys Motorsport, Disney and Yoga.


  1. I’m one of those people who seems to think spending money = showing love, but after a financially tough year we had to be a bit more thrifty this Christmas! Having a budget in place per gift made a HUGE difference as I’m usually like “oh just one more little thing…” I also totally agree with you, there’s nothing wrong with using budget shops for things like cards and decorations. It’s not about the price!
    Beth x Adventure & Anxiety

  2. Kayleigh Zara says:

    Im someone that always massively over buys and leaves it too late so I really need to work on that! Thanks for sharing x

    1. I don’t ever leave it too late but I often over buy for people! x

  3. Great one, I love your work!

  4. I just need to stop buying gifts for the kids and I’d be fine haha! x

    1. Haha whoops! Easily done! x

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