Save money at Christmas without losing the magic
Christmas is often painted as the season of joy, generosity, and get togethers—yet for many households, it also comes with added money worries. Between gifts, food, travel, and decorations, costs can snowball quickly. The good news? With a little planning and creativity, you can enjoy a meaningful, memorable holiday without breaking the bank. Here are some practical ways to save money this Christmas.
Set a realistic budget—and stick to it
- Set a firm budget early – agree a maximum spend per child/adult to avoid pressure or impulse buying.
- Create a December calendar to spread costs: one small task per week (eg gifts one week, food another).
- Track spending in a simple app or phone note to stay on top of totals.
- Start buying earlier to spread out the costs
Give thoughtful, not expensive gifts
- Homemade gifts such as baked goods, crafts, or photo albums
- Experiences like a movie night, home-cooked dinner, or hobby lessons
- Practical gifts that the recipient will truly use
- Regifting items in excellent condition (totally acceptable if done thoughtfully)
- Meaningful gifts something they want, something they need, and something to read which keeps costs low.
Don’t overdo the food
- Plan your Christmas meal early and make a shopping list
- Use supermarket budget ranges.
- Buy fozen where possible (veg, desserts, party food) – cheaper and less waste.
- Avoid buying too much “just in case” food that goes to waste
- Ask guests to contribute a dish
- Meal-plan leftovers – think turkey curry, bubble & squeak, or sandwich packs.
Rethink Christmas activities
- Walking through neighbourhoods to see Christmas lights
- Cozy movie nights at home, board game afternoons, hot chocolate nights
- Free community events - library craft days, children’s centres, and community trails
- Baking together
Visit our tips for the festive season for more ideas on how to save money.