• Dee Wilson

Christmas on a Budget

Christmas is a wonderful time of the year, shared with friends and family. One of the biggest downsides of the festive seasons however is how expensive it can get! No one likes going into the New Year playing catch up with their finances, so we are delighted to share with you our favourite tips for doing Christmas on a budget!

Make a plan

Before you hit the shops, make a plan! Decide who you are going to buy gifts for and stick to it. Think about what they might like to receive and give yourself time to shop around and find a great deal. Leaving your gift buying to the last minute often results in spending more than you budgeted for.

You should make a plan when it comes to food and celebrating too. Look online amongst the grocery stores near you and see what deals and sales they have on. By shopping at a few different places, you may reduce the amount you spend.

Talk to your loved ones about gift-giving

One of the biggest things we spend our money on at Christmas time is gift-giving. The fear of leaving anyone out means the bills stack up. A wise idea is to talk to family about what you can afford at Christmas time, because chances are you aren’t alone. Your family might decide to do a Kris Kringle, where you only buy for one person in the family and you each set a budget on how much you spend. This way you can put more thought and effort into the one gift you are giving, and it won’t feel like a burden.

Giving doesn’t mean buying

We often think that to give someone a great gift, we have to buy it. You can make a huge difference to the recipient by ditching this mentality and thinking outside the box. Could you make them something instead? Like Christmas cookies or another nice Christmas dessert? Maybe you could even set time aside and plan a day out rather than buying a gift. This is a great idea particularly for kids because it teaches them that Christmas isn’t all about tangible gifts.


Buying decorations to make your home feel festive also adds up. Think about DIY arts and crafts projects you can do with your family, rather than paying for a finished product. You could make your own Christmas wreath or decorations for the front yard. Instead of buying Christmas cards, you could print a nice family photo for 10cents and write a Christmas message on the back.


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