Step into Christmas with money-saving tips this month

Time is ticking by, let’s jump straight into our simple money-saving tips for this Christmas!

There’s no need to beat around the holly bush, let’s make this Christmas better than last Christmas with sensible living and spending. Give yourself a great start to 2020 by making your December as painless as possible.

Let’s get rocking around the Christmas tree with these simple tips…

1. Be well organised!

Have you made a Christmas ‘to do’ list and been checking it twice?

This will help:

There are great furniture offers at Argos, Amazon and eBay.

2. Don’t be too ambitious.

I hate Christmas, it’s so stressful and expensive.”

You hear that more and more these days, it’s a shame because it doesn’t have to be that way.

You don’t need to keep up with the Joneses, there’s no need to be Super Woman or the best dressed Father Christmas in town. Take the pressure off yourself this Christmas and don’t try to fit too much in, make a list of what is causing your Christmas stress and put together a management plan.

What could be your challenges?

  • Keeping everyone happy! It’s impossible to do that, just do what is best for you and your family
  • Putting up an impressive Christmas tree with new decorations. Do you really need a new tree or to replace the decorations? Look at what you have already before you purchase more
  • Lighting up your home! There are some great Christmas illuminations on homes nowadays but don’t overdo it. Watch National Lampoon’s Christmas vacation as an example of just that and enjoy the Christmas lights that bring the Griswold family together. Get ready to laugh your Christmas socks off!
  • Getting all the gifts on the Christmas list! The worse thing about Christmas shopping is a lot of things people want are in the sales straight after Christmas so just buy a couple of gifts for the day and then go shopping in the sales 
  • Accommodating Christmas visitors. Your guests don’t need five-star treatment, friends and family (unless elderly) are normally happy to bunk down for a couple of nights. They don’t need to be spoilt with extravagant living, it’s just lovely to get together
  • Visiting the family. It’s that time of the year that you feel you need to see the relatives (or not) wherever they live in the UK. Why not split up the list of people and do one half in December and the other in the New Year making it a lot easier and something (or not) to look forward to in January
  • Christmas parties. Do you really need a new outfit? Take a rummage through the wardrobe and see what you can recycle or borrow something from a friend. Buddy up when it comes to buying drinks at the party to save money and why not pre-drink to get you in a good Christmas spirit
  • Secret Santa. This is a great way to save money amongst friends, family and work colleges. Check out this app…
  • Cooking over the Christmas period. We all love a traditional Christmas dinner but it can work out very expensive so make meals in the rest of December on a budget. Look out for seasonal special offers
  • Charity work. It’s nice to give at Christmas but don’t let it take up too much of your time and stress you out, every little helps
  • School Christmas shows and fetes. Try not to miss those events that make great memories and go to a Christmas fete with a spending budget. Pull together all the loose change from around the house, you will be amazed how much you will find
  • Pantomime time. Look behind you! Or not, have the family grown out of it now? Is it worth the money anymore?
  • Getting your hair done. Do you need to spend £60+ on a hairdo this Christmas? Get a friend to do it for you instead and that money could pay for a gift or the Christmas dinner
  • Booze and treats. Look for deals in the shops and ask guests to bring their preferred drink to help with the costs. Tescos are doing 25% off 6 bottles of wine at the moment. 
  • Christmas Eve. Don’t go mad, relax, save yourself for the big day. Try not to spend too much on Christmas Eve boxes or overdo it re-enacting ‘A Christmas Carol’ as part of your child’s bedtime Christmas routine. Does Father Christmas need a glass of wine, processco, beer or a Guinness? Stick with the traditional half a glass of milk to save the pennies.

Take the stress out of Christmas with this Christmas organiser.

3. Don’t be a snob.

You don’t need to get your nephew or next-door neighbour’s grandchildren a Harrods teddy bear to make a good impression or show you care. Look online at the latest deals for children’s toys, take a trip to Primark to get vouchers for the kids or grab a turkey from Aldi or Lidl. You don’t need to buy expensive perfumes, take a sniff of this one in Marks & Spencer for £12.50.

You can also find great gifts on eBay – new or used.

4. Don’t feel guilty.

If you can’t afford it, don’t spend it. Don’t get yourself into more debt for one day of the year and don’t feel guilty about not spending a lot of money. Are the kids expecting the latest electronic devices or designer clothes at extortionate prices? Give them some money towards them and if they want them, they can save for the rest.

5. Look in your cupboards.

Remember the present that Auntie Marge bought you last year? A rose scented bottle of talc and soap petals or that lavender candle, did you put it in the back of the cupboard? What about the bottle of brandy or aftershave that has never been opened? Use them for other people and save money but just make sure you don’t give it to the person that gave it to you.

6. Use online vouchers.

Check out the latest voucher offers online to get money off everything this Christmas.

Wowcher. 

Go compare. 

My voucher codes. 

7. Don’t overbuy.

Do you need every flavour of Baileys, expensive branded Christmas crackers or stockings filled to the brim with gifts that won’t get used? Most of us do it every year, we spend lots of money on things that we don’t really need. Think before you buy, will I use this?

Where can you buy the lowest priced Christmas turkeys this year? Here’s a list.

8. Use loyalty points.

Get online, check your loyalty cards to see what points you can spend. It might be enough for a couple of gifts. Here’s a reminder of different loyalty cards that may be in your purse or a draw.

9. Keep the kids busy on a budget.

You don’t need to spend a fortune to make wonderful memories. Here are some great ideas to keep the kids busy during the Christmas period.

  • Camp under the Christmas tree
  • Make Christmas cards
  • Do snow or ice sculpting
  • Make Christmas tree decorations
  • Create place names for the dinner table
  • Go for a walk to collect pine cones and holly, paint the tips white and lay them around a candle with a red ribbon
  • Watch Christmas movies, read books and create your own stories
  • Make a North Pole breakfast including foods sprinkled with icing sugar
  • Make mince pies and Christmas cookies
  • Make a gingerbread house
  • Write a letter for Santa and his helpers
  • Make your own Christmas table arrangement
  • Get out the musical instruments and sing carols. You could have your own Christmas X Factor!
  • Make Christmas hats for Christmas Day
  • Get the games ready to play with friends and family
  • Make some pretty thank you cards ready to send after Christmas

There are so many great ideas, get online and find out what’s on in your area over Christmas. Do message us if you find any great freebies for the kids so we can share the information with our customers.

10. Do more home cooking in December.

Save money by not eating out in December and set yourself a budget for your lunches.

You can find out all you need to know about cooking on a budget here. There are some great ideas for lunches on a budget here. If you already have plans to eat out in December get some money off vouchers online. Find out more here.

Check out these meal deals.

Christmas is about making special memories and you don’t need to be the perfect host. Take the pressure off with smart thinking, good planning and wise spending.

We wish you a Merry Christmas and a Happy New Year!

Do you need debt help? Contact us today.

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