Christmas Savings - How to enjoy Christmas without going into debt

Updated: Mar 30, 2021


2020 has been a bit crazy for most people, and for some people this year has seen a slight or a significant loss of income. And with Christmas comes a lot of expenses but there are ways you can save both your finances and your sanity! Early planning is key to making sure that you keep within your budget on Christmas Day! Save on Christmas Day with these simple tips.


Saving on presents – by now you have probably done (or started) your shopping but nothing is better than a home made Christmas present – a simple homemade fudge or chocolate balls shows love and thanks with a small price to pay. Made with love is the easiest way to spread cheer for cheap at Christmas! But don’t forget to check out places life FB marketplace for cheap gifts – often brand new in packaging. Its also a great time to list some unwanted items and make some cash!



Put the children to work – get creative making table decorations, bon bons, wrapping paper and cards. There are so many things that can be made for A LOT cheaper and with school holidays commencing it is the time to get the kids busy crafting up a storm! Both cute and more importantly frugal!


Plan your meal and start shopping early! If you have to have ham on your Christmas Table, shop around and start now. Shops will be starting to have sales now to get your business, start comparing to save. Many items can be bought in advance and either stored in the fridge, freezer and pantry and create your own Christmas hamper. Many items (even dips and cheeses) have a long enough best before date that you can start now and spread the costs! But don’t feel like you HAVE TO HAVE a traditional spread of lots of meats and seafood. The option of a non traditional Christmas meal can be a great saver, even if its only for this year!




Bring a plate – the biggest expense is the food. Don’t be afraid to ask for help. If people offer take them up on the offer. Not only does it save you money but it also saves you effort! Asking people to make a contribution to the food and drink is totally reasonable, even if it isn’t the norm in previous years don’t be afraid to implement it. If you are worried about asking – be polite and be specific! “We have always loved your potato salad and were wondering if you would mind bringing it to Christmas Dinner!” people find it hard to refuse when you love something of theirs!

And likewise if your invited to bring a plate – be organised and offer early. Carbohydrates are often the cheapest way bring a plate so offers plates like, fried rice, pasta salad and potato salad. Easy and cheap to make in bulk. But for things like a dessert think outside the box, chocolate cake with fancy decoration to make it more exciting is much more budget friendly than a cheesecake etc.


Don’t forget that Christmas is about spending time with loved ones NOT going into debt. I hope you can use these tips to save on Christmas Day!


Madonna Bechaz Madonna lives on Gold Coast with her husband and two sons. When she isn't blogging she is spending time with her family and enjoying the beautiful Gold Coast.

Madonna started her blog 'Budget Mum' when she was on maternity leave with her first son. She was looking for tips and hints on how to save money (and extend her maternity leave). Since she couldn't find many blogs based in Australia, she decided to make her own blog about saving money, making money, money-saving recipes & loving your budget. Four years later 'Budget Mum' is still going strong. Madonna has joined the Parent Like You team so she can she share her fantastic money-saving tips with our community.

"Learn how to save money on 'the boring' so you can spend on 'the fun'."

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