23 Essential Christmas Money Saving Tips – Save Your Cash!


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Saving cash over the holidays is crucial because there’s so much to buy and if we’re not careful it can get out of hand. Here are some essential Christmas money saving tips that will help.

23 Essential money saving tips to help your cash go further this year

Free Christmas Tips eBook to Download

Best Christmas Money Saving Tips For The Holidays…

Money Saving Tips For Presents

Agree on a budget for peoples presents

Set a limit for family and friends and let everyone know.

In my family it’s £15 which works really well, and if someone wants something that costs more, then people can club together for it rather than breaking the bank.

An expensive gift really isn’t necessary when people are getting lots of gifts anyway, right?

Do a secret Santa

Put everyones name in a hat and everyone draws one name and buys for them only. Set a budget as well. That way everyone gets one really nice present that they are more than happy with, and you get to save a lot of money.

Have a rule that only the children get presents in the family.

Once everyone is having a family, things can get expensive pretty quickly. Keeping gift buying to the children only will keep that magic of watching them unwrap them – but lessen the spend overall.

Make your presents

A homemade gift like fudge / jam / lemon curd / biscuits etc… always go down well, and you can create some amazing packaging that will make your loved ones feel extra special.

Give people promises as gifts 

i.e. a token for a free nights babysitting, or a promise to do a friends ironing one week etc… – this will be happily accepted and is a great inexpensive gift idea!

Regift presents you’ve been given but that don’t work for you

Just remember NOT to give them to whoever gave them to you in the first place…

Buy some presents that are things that you would have to buy that person anyway

For example, a scarf, gloves, socks etc…. There’s nothing wrong with useful stuff!

Use brown paper (parcel paper) as wrapping paper

You can buy relatively cheaply compared to Christmas wrapping paper and dress up with ribbon, or use a stamp with some paints to create your own unique designs.

Use last years Christmas Cards

You can make your own gift tags from them. Simply cut out the front picture, add a hole and some ribbon or string, and voila!

Recycling at its best, and it will brighten up each and every Christmas present while you’re at it. Bonus!

Use Wrapping Services

Some shops will offer a wrapping service free of charge over Christmas – take advantage!

Post as early as you can

This will save money on postage as you can send second class rather than first, for example.

Christmas Quote

Money Saving Tips For Christmas Cards

Send eCards not real ones

Making savings on both stamps and cards.

Hand deliver as many cards as you can

Even if that means giving them out a little earlier to some people.

We love to post our hand delivered local cards on Christmas Eve as it feels nice to get out and about and wish people Merry Christmas in person.

Send as many cards as you can early

And send them second class to save pounds. You could also add the cards to any parcels you’re sending with presents inside. Save the stamp altogether!

Tell people you aren’t sending cards this year, and instead make a donation to charity

You can still make a saving and help people at the same time – it is the season of goodwill after all!

Piggy bank with santa hat on and decorations

Tips To Save Money On Christmas Food

Get guests to bring some food

Most people will be happy to contribute to a buffet, or bring a specific starter or pudding, or even drinks – and this can drastically cut your holiday spending.

Eat At Home More

Instead of going out for meals over the festive period – entertain at home more. Christmas menus can be expensive!

Don’t over cater

Christmas is really only a few days, and you can all only eat a certain amount – it’s usually the case that people have leftovers for maybe weeks afterwards, or end up wasting a lot of food – so make a list of what you really need, and how many you are catering for each day and stick to it (your waistline will also breath a sigh of relief!).

Use leftovers wisely

Turkey soup is always a winner on Boxing day, turkey sandwiches as well… I see a lot of turkey in your future!

Always look for cheaper alternatives

Whether it be using Aldi instead of Marks and Spencers, or going for non branded items in the supermarket of your choice – there are always ways to save something

Money Saving Tips For Christmas Shopping

Don’t go overboard

Stick to a budget and don’t be tempted when you hit the shops to splurge (online holiday shopping can help to avoid the temptation still further)

Use loyalty points 

Try and save them up throughout the year. Boots / Nectar / Tesco etc…all offer great loyalty schemes where savings really do add up, and it’s GREAT to be able to spend while not actually spending, right!?

Shop at outlet stores

Or shops like TKMaxx and Homesense to get quality products for less money.

Use the sales

If you won’t see some people until after Christmas, use the sales in January to buy their presents instead of buying them for full price before,

Shop online

So you can’t be tempted by extra things as much as you would if you were walking past all the shops and their tempting window displays

Spend a little more this year to save next year

Things like a fake Christmas tree will cost you this year, but you won’t have to budget for it again next year so you will save in the long run

Use a cashback credit card

if you can to do all your Christmas shopping – BUT always pay it back asap as any cash back you earn will be lost against the hefty interest charged otherwise.

Use A Cash Back Site

To get some money back on your shopping (which you could save for next year ;o) ), why not use a cash back site such as Quidco or TopCashBack. You can earn money throughout the year and use it to pay for some of Christmas going forward as well. This is a no-brainer really because if you do a lot of shopping online, it makes sense to get some money back while doing so…

Always look online for any coupon codes or discounts

A quick Google search often leads to a little money saved

Take advantage of Black Friday (and Cyber Monday) deals

For items you were going to get anyway – monitor shops for any deals they may be advertising and get them while they’re there

Look in the pound shops

Or equivalent for stocking fillers for the kids

Money Saving Tips For Christmas Decorations

Buy one new item each year

Don’t try and revamp everything based on the trends and new stuff each year, as that will eat into your budget like nothing else! Instead, replace or add one new item each year so you end up with some gorgeous things that mean something specific to you and create memories for you each year.

We like to have one main decoration item in each room, and have collected them over the years – such as a picture, a tree, lighting, wreath etc… – but have also collected specific tree decorations for special years such as my daughters first Christmas

Make them!

Last year I loved making my own white salt dough decorations for our tree. This recipe was the one I followed and it worked beautifully:

Buy in the sales

Obviously this one won’t help in the current year, but come January all Christmas décor goes on sale, so this is the perfect time to buy it and save for next year

How To Save Money On General Christmas Spending

Streamline Your Spending

In the lead up to Christmas, go without a few daily extras to save a little more (like your morning coffee from the local shop, or your takeaways for a month etc…)

Create a change jar

In your hallway and add any change collected each day to it – it will build up to quite a sum over the year

Don’t pay for expensive entertainment

Look for Christmas markets, carol services etc… in your local area that are free to attend

23 Essential money saving tips to help your cash go further this year

What Christmas Money Saving Tips Will You Be Using This Year?

If you want a copy of these tips to help you out, you’re in luck!

Grab your FREE Christmas Tips eBook HERE and you’ll get these money saving tips plus loads of other tips to help you have the best Christmas yet.


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This article was written by Chrissy

Hi - I'm Chrissy... Having run my own business for 12 years as a Professional Organiser and Interior Designer, I know what works (and what doesn't!) when it comes to setting up a home that works both functionally and aesthetically. Now you can mostly find me in a coffee shop or at home, working full time on (which I setup back in 2011) sharing all my tips and ideas. My mission is to help you create a home that you love to live in every day...


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