7 Simple Tips To Save Money For Christmas

Christmas can be expensive, there is no doubt about it! Unless you are lucky enough to have someone else providing the feast and no presents to buy… but most of us are not so lucky.

However there are some great ways to save money for Christmas, so you can avoid the Christmas financial stress! Check out my 7 tips below for saving money this Christmas (and making a little last-minute cash).

Save money at christmas
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Being disorganised and unprepared ends up costing you more, especially when it comes to buying gifts and groceries. If you plan ahead, you are less likely to buy last minute things just because you are running out of time.

Think ahead with present ideas so you can go shopping with a gift idea in mind for each person.

Plan your Christmas menu in advance also, especially if you are having a combined Christmas meal. There are things you may be able to get others to bring instead, saving you some cash.

If you are prepared in advance, this also gives you time to see what is on special in your local grocery stores in the weeks leading up to Christmas. You may save heaps on that Christmas ham this week compared to buying it the week before, as many such items have a long fridge or freezer life allowing you to buy ahead of time.


Sometimes we poke fun at those people who are getting in months early for Christmas, but have you ever tried it?

Think mid-year toy sales, end of financial year sell-outs, and other big bargains that come up along the way.

You could halve your Christmas gift spending by picking up mega bargains through the year. It also means less pain closer to Christmas with forking out large amounts of dollars because you left it late.

Check out my gift guides for every occasion:


This isn’t for everyone because some of us aren’t the Martha Stewart kind… but if you are, embrace your inner creativity and get busy making.

Handmade gifts are special because they come from the heart and as an extra bonus, they can often be quite cheap to make too. Check out my DIY Gift Ideas board on Pinterest for some great gift ideas.

Food gifts are also a great handmade option. A jar of cookies made with love, or a homemade jam. Yum!


Secret Santa gifting is common in workplaces at Christmas time, but have you ever thought about doing it with your family?

If money is tight for other people in your family too, chances are they will all appreciate the chance to buy one gift instead of 10 or however many it may be.

You may decide to do family Secret Santa just for the adults, still buying all the kids in the family gifts.

Either way, it means less thinking and less spending. Just get together, add everyone’s name to a bowl or hat and draw one out (redraw if you pick yourself). But shhh… it’s a secret!

For an extra bit of fun, check out my free Santa Tag download.


If you are a member of a rewards scheme, chances are you may have a nice bundle of points by the end of the year.

Many credit cards or frequent shopper programs offer chances to redeem reward points for cash, vouchers or products. Consider redeeming your points for Christmas gifts or vouchers to spend on gifts, so that you are not out of pocket.


Really short on cash come the festive season? Maybe it is time to let go of some of those things you’ve been hoarding.

Sell some unwanted stuff on places like eBay, Facebook selling groups, online and newspaper trading posts or by having a garage sale. You may be surprised how much cash you make on stuff you no longer need, while also freeing up some space in your house (bonus).


Perhaps you are an exceptional cook or a great gardener. Instead of giving a physical gift this Christmas, you could offer up some of your skills to someone who would appreciate it.

Make up a voucher on the computer, print it out and away you go.

You could offer lawn mowing services all year to your grandmother, or offer to cook your sister and her husband a gourmet 3-course dinner. Sometimes these things mean so much more than another physical gift.

Christmas photoshoot

So many ways to save money and make last-minute cash this Christmas to avoid you feeling the stress of spending this year. I know I personally am doing several of these to save this year due to reduced finances. It doesn’t make Christmas any less special… since it is really about celebrating with loved ones minus the financial side of things.

For more ideas on getting back to basics, check out Sarah from Creating Contentment’s Minimalist Christmas.

What are your top Christmas saving and money-making tips? 

12 thoughts on “7 Simple Tips To Save Money For Christmas”

  1. Pingback: Christmas Planner Printables (Limited Time Freebie) - Simplify Create Inspire

  2. I started organising Christmas really early this year and knew what I wanted to buy for almost everyone so got things on special in the last 2-3 months. I’e actually stuck to my list too which is somewhat amazing lol.

  3. Great tips, christmas is always a super exxy time isn’t it. I’ve actually just cleaned out my wardrobes and have finally accepted that I need to part with a heap of dresses that don’t fit me anymore. It’s a good way to free up some extra cash.

  4. These are great tips!

    We even do a secret santa amongst my children for sibling gifts. As we are still technically buying each gift for each sibling times five, this get expensive and excessive very quickly. Now they just buy one gift for one person. I also incorporate it into a special mother/child experience when I take them shopping.

    Thanks for linking back to me. xS

  5. Great tips. I did alot of early shopping this year. has made a big difference to December’s bank balance. I also feel more organised (although i do need to snap out of that, i have a few other things that need to be done) Have pinned and thank you for sharing with us for Sunday Brunch x

  6. Pingback: Saving Money, Making Money & Other Essential Money Tips - Simplify Create Inspire

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