5 money saving ideas for Christmas

Christmas bauble made of dollar banknotes hanging from a tree

Christmas can hit us all hard, all those presents to be brought, the food for the table and the decorations from the home. When adding the cost together it can really set us back a few pennies and January can then become a hard month on us all, however it is possible if you just stop and think about what you are doing to save yourself quite a bit at Christmas.
Here are 5 of my money saving ideas:

1. Hand make where you can.
Personally I adore receiving handmade gifts and cards and while they can take a while to put together and get just right, in the long run they can save you quite a bit. Plus, it doesn't really matter what you are good at, say you love to bake – treat everyone to mince pies, cake or Christmas pudding. More of a crafter then jewellery, pictures, mugs there is all sorts you can decorate to give as a present. That's without getting into making your own decorations (paper chains are so this year).

2. Reuse / Re-gift.
You don't need to buy new decorations last year, get your old ones out, dust them off and pop them back up, it has been a year who's going to remember exactly what you used last year anyway. Re-gifting is a bit of no go with some people, but if done right it can save you money, just make sure you don't send it back to the original sender.

3. Use voucher websites.
When you do need to splash out make sure you not only shop around, but if you're buying online check voucher websites such as to help you get the best price possible on those most have gadgets.

4. Get cash back.
This is one I've really started to get into over the past few months and it is so simple to do. You just need to sign up to a website such as TopCashBack and then visit the website you wish to purchase from via them, at the moment you can even get a £5 Amazon voucher for signing up (an earning £10 worth of cash back). Helen from Mummy to the Max has some great ideas for using TopCashBack prior to Christmas as well. (It is worth remembering you can often only use either a voucher code or get cash back so make sure you work out which one is best for each purchase).

5. Do you really need it?
This probably the hardest one for me, I am always spotting things and thinking ohh that would be just right for someone and so I buy it, then forget I've brought it and then I've spent more than I really need to. So get yourself organised, write a list of what you really need and stick to it. You might be surprised by how much you save when not buying those little bits.

How do you save money at Christmas? 

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This article has 70 comments

  1. Helen Metcalfe

    I’m resisting the urge to buy new decorations this year, we really have enough and dont need new ones.

  2. Laura Hartley

    Great tips! I will be desperately saving for Christmas as I don’t get paid much at all at my internship so thanks for this!!

  3. Tori Gabriel

    These are great tips! I totally agree with regifting. After all, if you can’t use something why not give it to someone else?

  4. StressedMum

    There are some great tips here, my husband is the person if you can not get it on amazon then he wont buy anywhere, where as I look for discounts and shop around

  5. Robin Rue (@massholemommy)

    I am all for saving when I can! I love hand made stuff 🙂

  6. Natasha Mairs

    some great tips sarah! I try and do all of these when I can

  7. Erica Price

    I regift sometimes – I think it’s better than something going to waste.

  8. Catherine S

    These are all great ideas. I like the idea of making gifts so I can personalize them.

  9. Sarah Jayne Pelham

    Fab tips, def using cash back sites this year, with 12 people to buy for, think i’ll need it. 🙂

  10. JuggleMum, Nadine Hill

    It’s good to take a moment to think if you really need it when shopping. It’s so easy to get carried away!

  11. Liz Mays

    I’m really going to try to focus on these things this year. I would love to stick to a budget and still make the holidays fun for everyone.

  12. Jen

    Great tips. We only buy for the children in the family and not the adults, which meakes it cheeper

  13. Charlie

    Great post, I’ve got some rough ideas of things I want to make for Christmas but often when I have ideas about making things (world book day costumes for example), I end up spending far more money!!

  14. Lois Alter Mark

    These are great tips. I think handmade gifts are the best.

  15. Ickle Pickle

    Great tips – I so need to spend less this Christmas. I love Top Cash Back, I have had quite a bit over the years. I love my Tesco Clubcard vouchers too, they have saved me so much money. Kaz x

  16. whatlauraloves

    Loving all of your tips- I always look for voucher codes online and use money back websites where I can xxx

  17. Amber NElson

    I love all of those tips! Great ideas. I don’t want to spend a lot of money.

  18. Amanda || Growing Up Madison

    Those are all great ideas. We tend to buy at least one new decoration every year for your tree. This year though we bought a brand new tree since we’re not doing a live tree this year and that alone should save us money.

  19. Kristen from The Road to Domestication

    Good ideas! I have a few homemade gifts that I plan on making this year!

  20. Ann Bacciaglia

    These are great ways to save money during the holidays. I like to make as many gifts as i can.

  21. Ourfamilyworld

    These are awesome tips. I’ve been doing numbers 1, 2 and 3. I struggle with number 5, though. I always see something that I really like, but don’t really need.

  22. Heather Haigh

    Some great tips. Definetely need to watch the pennies this year.

  23. ana

    I am terrible with money I need an accountant to keep my finances in check lol! Thank you for the tips I agree that re-gifting is perfect. Sometimes I am given presents that I don’t use and so I give them to someone else.

  24. Kayleigh-Anne Watkins

    That’s so like me, I buy new decorations every other year, I get confused on the cash back and voucher websites, I also buy little bits, and end up with double stuff but I have a lot of nieces and nephews so it’s not to bad, my children love arts and crafts so I might try making our own cards, my daughter was in nursery last year they did handprints on front of the cards, then drew Santa on them, and did upside down prints and made them into reindeer xxx

  25. Daniella

    Great tips. I always hand make items where possible which is usually in the form of a hamper.

  26. Mary Louise

    Thank you for the tips – i am doing pretty good and trying to hand make as many gifts as possible. Means so much more and granparents love them!

    I am the same and need to adapt … do i really need it?!

  27. Stella Kashmoney

    I buy Christmas gifts in the sale. I am always on the lookout for a good bargain.

  28. Rachel

    I try my best to remember to use cash back sites whenever I buy anything. I have been much better over the last few weeks and have managed to make back quite a lot x

  29. Theresa

    Great tips! My husband loves to browse coupon websites and shop through cash back sites to maximize our savings.

  30. Elaine Skye Clark

    Very useful tips. Thanks. I generally buy gifts all through the year, when they are reduced.

  31. Kara

    Great tips – we have cut right back on who we buy for too

  32. Jeanine

    I budget and shop as early as I can. It helps a ton, and shopping around for deals I find I can find way more deals online!

  33. Liz Burton

    Great tips. I alway earn lots of cashback over Christmas and try to do most of my shopping online.

  34. Jessica

    Great ideas. I’ve just started using cashback sites and I’m hooked!

  35. Rachael

    great tips, i’m hand making some gifts this year, although sometimes they end up more expensive. But i’ve found being mindful that people don’t want a load of clutter and junk anyways

  36. Marielle Altenor

    This year money is going to be tight so we plan on doing either gift cards or handmade gifts for close relatives.

  37. Laura

    I certainly need money saving ideas, Christmas costs me a fortune. Thanks for this!

    Some great ideas there, I’m actually a member of Topcashback but never use it-must look into it.

  38. Toughcookiemommy

    Christmas time can be a very expensive time. It’s nice to be able to save a little money.

  39. Sonya Cisco

    Some good ideas here, it can get so expensive can’t it!

  40. Lisa Rios

    When Christmas is around I am pretty sure your expenses are going to be on the high with all those shopping you have to do. And these are some simple yet effective tips to make sure you could save something out of it. Regifting is a wonderful idea which we do most times, so someone could use it at least.

  41. leeshastarr

    Great tips. I set a budget of £200 for everyone and I refuse to go over it. I’ll be saving but getting less and I’ve been getting things throughout the year if I spot them on sale.

  42. Zara Lipstixx

    Do you really need it? is probably the question I ask myself the most.
    Christmas isn’t celebrated in our house for personal reasons, so we tend to wait for the sales to start and pick a couple of things we want either on boxing day or in the Jan sales.

  43. Kelly Hutchinson

    I do a lot of re-gifting or even second hand store gifts. If I know the person would just love it, I buy it, even if its from a thrift store.

  44. Joanne

    Great tips! I use topcashback a lot, great money saving tool.

  45. Rosey

    I love that you have re-gift on here. I don’t know why regifting got such a bad rap. If you don’t like it and you know someone who will it just makes sense to pass it on.

  46. tanya

    I use topcashback and have £50 saved since May, I also save up all my Tesco vouchers

  47. Lauren

    Cash back sounds like a great idea, I really need to start getting into that!

  48. Anne

    some great tips there! I rarely buy new decorations, I might add one or two each year to my collection. I look out for special offers, especially 3 for 2 offers on gifts and toys. Also, I tend to save up my reward points/vouchers to use at Christmas time.

  49. tracey bowden

    Great tips sarah, I have signed up to cashback sites, my bank even has one, and I always forget about them I could of earnt a fortune by now! I always use old decorations and always but in the sales, eg next christmas decs in january, halloween stuff on 1st november etc

  50. Esther

    Re-using items and re-gifting is definitely the best route. It not only save you money, it also helps the enviroment. And this year, I started saving and shopping for Christmas 6 months before. It does make all the difference. Particularly, taking out the financial pressure I use to feel towards the Christmas season. Greet tips indeed, thanks for sharing.

  51. Rebecca Smith

    Fantastic ideas especially with a large family

  52. Nige

    Fantastic tips it’s very important to save where you can # justanotherlinky

  53. NicoleeJayne

    Really helpful tips, Christmas can be such a pain.

  54. Heather @ Simply Save

    I love the idea of handmade gifts. I find they are more meaningful and personalized as well! Thanks for sharing on the #SmallVictoriesSundayLinkup!

  55. Mumisthewordblog

    Great tips. It’s the do I really need it one I struggle at sticking too. Bookmarked your page to remind myself of these tips! #justanotherlinky

  56. The London Mum

    We always use the same decorations we’ve had for years, and just buy one new Christmas ornament a year for the tree. WE bought ours from Amsterdam this year as that’s where we went for our first family break abroad. x

  57. K's Mum

    Great practical ideas! 🙂 #brilliantblogposts

  58. Something Crunchy Mummy

    Great tips! Thanks for linking up to #justanotherlinky xx

  59. Michele

    I am a big supporter of #5! And lucky for me, I usually remember where I put my Christmas gifts purchased earlier in the year! But I agree that sticking to a list is important!

  60. Lisa backsnbumps

    Great ideas I must remember to use cash back sites this year. I always remember after I’ve placed an order. All the pennies soon add up ?

  61. Carin Harris

    Nice! Pinning so I can remember.

  62. Sarah Eliza

    Smart ideas!! I love handmade too… and you’re right, the “do I really need it?” is always the toughest but still so important!

    Thanks for linking up at Friday Frivolity last week!! I hope you join us again. 😀

  63. Alison [Life of Scoop]

    Thank you for sharing this with us at the 100 Happy Days linkup party! These are great reminders as I begin to prepare for the Christmas season. It’s my favorite, so I always want to be able to go overboard. But it’s just not in the cards this year, so thank you for practical suggestions. 🙂

  64. Lou Lou Girls

    This is perfect! Pinned and tweeted. We appreciate you taking the time to party with us! I hope to see you on Monday at 7 pm, so we get to see your fabulous new creations. The party goes until Friday at 7 pm. Happy Sunday! Lou Lou Girls

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