Tips To Stay On Budget At Christmas

The Christmas period can be expensive but it doesn’t need to be. You can have a wonderful holiday without having to worry about financial pressures. I usually worry each year about buying enough for my family members, I want to treat them as much as I can. But I have to remind myself it is not all about the presents and money, it’s the thought and spending time with them that really matters. I actually started Christmas shopping early, for the first year in a long time and it has definitely taken the pressure off. I have compiled a list of tips to stay on budget, I hope these can help you if you are finding it stressful.

1. Make a list of people you need to buy for at Christmas

I used my notes pages in my diary to write list of everyone I would be buying for Christmas, so I stay organised and do not forget anyone. I also used a gift planner sheet to plan out my Christmas presents for everyone. Something so satisfying about ticking off on a list.

2. Set a strict budget for Christmas presents and one that you can afford

3. Ask everyone for a Christmas list, so you can buy them a present they want and not buying for the sake of buying

I used to do this, just buy “top up” presents to make sure I have brought enough for everyone. This year, I asked my loved ones what items are on their wish list and brought from that wish list to ensure I am gifting items they want or need.

4. Do not put yourself in debt showing people you love them with gifts.

Always remember this! Your loved ones don’t need expensive gifts to know you care.


5. Once you have set your spending amount you should draw that cash out. You could put it in an envelope or put the money onto a pre paid card. This way you are aware of how much money you have left.

6. Ignore the sales, stick to your shopping list and try not to overspend.

I have been guilty of this in the past, buying items just because they were deemed a “great deal” and then working out afterwards who I could gift them too. Buying this way used to cost me a fortune ha ha!

7. Make a list of additional costs such as; food, cards, wrapping paper etc.

8. No emotional spending, again stick to your list.

Do you tend to overspend at Christmas, or are you great at adhering to a budget? Do you have any tips for staying on budget? I’d love to hear in the comments.


56 thoughts on “Tips To Stay On Budget At Christmas

  1. I think your point about not putting yourself in debt is so important. They’re loved ones at the end of the day, they’re not going to dislike us for not spending X amount of money on them (and if they do, then they need to go in the bin!) xxx

    Liked by 1 person

  2. I love this. I make lists for everything but I still find Christmas so stressful and often go off budget. I think you’re right about debt though. I love to spoil my loved ones but I know they wouldn’t want me be worse off for buying them an extravagant gift or several.

    Kate |

    Liked by 1 person

  3. These are great tips. I’ve fallen into the “sales” and “top up gift” traps before, so this year I also asked my family members for gift ideas, and bought from their wish lists. It’s such a good idea and has saved me money this year.

    Liked by 1 person

  4. You have created a pretty list for this to!

    Buying from a wishlist is perfect, and there is nothing wrong with a person having some idea of what their gift will be. It is definitely not worth is spending oneself into a hole for people to whom the amount of money spent on them is worth more then the gesture itself.

    Liked by 1 person

  5. My partner and I have decided to use gift bags to give gifts to each other from now on, rather than wrapping paper, so that we can use the same gift bags again and again to give gifts to each other. Cuts back on waste, but I guess we won’t see the money saving until after a few rounds of gift giving

    Liked by 1 person

  6. This is all spot on. I like the idea of using a prepaid card to spend or getting the cash out. There is no way you can overspend then.

    I’m pretty good normally, I’ve been under budget per child and that includes the stocking bits.

    Really helpful advice x

    Liked by 1 person

  7. I always tell Alan what I’d like for Christmas and he tells me so we know we’re only buying each other what we’d really like. But I’ve never thought of asking family and friends the same question – LIGHT BULB!!! Great tips, Lauren, especially the one about not going into debt! Lisa xxx


  8. The Christmas time is always such a hectic time! I don’t personally celebrate it, but I do get gifts for close friends of mine and usually shopping this time of year is actual madness haha. The most important thing is to have a list of all the people you need to buy gifts from and then setting a budget for how much you want to spend per person!

    I like the idea of asking what they want for Christmas but I’d feel it takes away from the surprise element in a way!

    The sales this time of year are always so so tempting because half the time I’m convinced I need everything haha!


    Liked by 1 person

  9. There are some fantastic tips here! One’s that I need to learn myself! I’m so guilty of so many of the things you’ve said but this year I’ve tried to be different! It’s hard when you just can’t afford it. Thanks for sharing these tips lovely! I will re read this over and over again until I learn hahaha!

    Ashleigh –

    Liked by 1 person

  10. Being on a budget is a major thing. I found Christmas being SUPER EXPENSIVE, especially when you have a lot of people to buy for and want to go for the quality picks rather than quantity. Oh man, those additional costs can add up really quick! Thanks for sharing these mindful tips!

    Nancy ♥

    Liked by 1 person

  11. These are really good tips. It can be so easy to go over budget at Christmas because there are so many things you want to get your family and friends. We don’t set a budget per se, but we do try not to spend too much. It’s just the three of us, well four if you count the dog, so even when we go all out, we don’t spend that much.

    Liked by 1 person

  12. It’s so important not to put yourself in debt just to show people you love them – people are more likely to appreciate something small and meaningful they want/need than something big and extravagant. I’ve been keeping a spreadsheet this year of everything I’ve bought so I can see exactly what I’m spending and on what. It’s been so useful and it’s stopping me from over buying! Xx


Leave a Reply to bournemouthgirl Cancel reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s