How to Save Money At Christmas | Pip Milburn

Budget Christmas debt freeImage

Christmas can be an expensive time of year, but it doesn’t have to break the bank and leave you in debt.

Every year I plan on saving a little each month to pay for Christmas, but inevitably that doesn’t happen and what I do save gets spent on something more urgent.

Here are a few tips on how to do Christmas on a budget.

Make a list

It’s not only Santa who should be making a list and checking it twice! My first tip is to make a list of who you need to buy for and how much you can afford to spend on each person. Have a think of what you would ideally like to get each person, is it realistic and can you get it for the budget you’ve set? Always make sure to have the list with you when heading out to do the Christmas shopping. Most importantly, stick to the list!

Consider pre-loved

This year I have saved a fortune by buying presents from Facebook Market Place and charity shops. Kids toys in particular are so expensive but charity shops are a great place to find just what your children have asked for. I have a good clear out of my daughters toys around early December. Many of them have been well looked after and are donated to the local charity shops. Parents all over the UK are doing the same, clearing out the old to make room for the new. Check out your local charity shops, you never know what you’ll find.

I popped into my local charity shop today and found some brilliant pre-loved items for my daughter.

Handmade with love

Giving someone a gift that you have really thought about and spent time making is, in my opinion, better than anything you can buy in the shops. It doesn’t have to be anything fancy, you could try making fudge or biscuits presented in a beautifully wrapped box. Last year a friend of my pained china tea cups and I made bath bombs to go inside. I also handmade the labels for an extra personal touch.

Budget Christmas Handmade Homemade gifts debt freeImage

Hit the January Sales

This is something I do every year and it saves me an absolute fortune.. I always pop into the Card Factory to buy special family Christmas cards. I keep my eyes peeled for stocking fillers and gifts I know my family will like. They all get put into a storage box in the loft and are brought down the following December.

Yellow Sticker Bargains

Leaving your Christmas food shop until the last minute might not be as daft as it sounds. Perishable food is reduced every day a few hours before a supermarket is due to close. On Christmas Eve there are usually some really great bargains to be had.

Be sensible

My last tip is to be sensible with your money. Household bills, rent and the mortgage should always come first. Your child may really really want the latest £500 Xbox, but if you haven’t got the money, don’t buy it. If all else fails, give them an IOU and buy it on Boxing Day for half the price!

Pip x

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