How to cut the cost of your Christmas shopping

How to cut the cost of your Christmas shopping

Christmas is looking a little different this year, isn’t it? With some of us starting celebrations in November and others planning pared-down festivities, it’s sure to be a Christmas like no other. Yet, one thing nearly all of us will be looking to do this season is cut the cost of our Christmas shopping. So, if you’re not sure where to find those savvy savings this year, here are our fool proof ways to save money this Christmas.  

1. Set a budget before you shop

It’s pretty easy to get carried away with your Christmas shopping (trust us, we know). But setting a budget and working out how much you’ve got to spend on each person is the best way to keep a lid on your costs. Once you’ve got your individual budgets, you should find taking on the task of Christmas shopping a whole lot easier.

2. Take advantage of the sales

With Black Friday falling on 27th November this year, many brands are already releasing discounts. Get your present list finished before December hits, and you might be able to snap up a few savvy savings.

Top tip: As well as the usual sales, you may also be able to take advantage of voucher codes and influencer discounts. Keep an eye out on social media and always check if there’s a live discount code available before you pay.

3. Check if you can get cashback

Did you know that many debit and credit cards have cashback offers? You usually need to activate them before you spend, so double check using your online banking apps if you’re entitled to any savings.

There are also websites like Top Cashback and Quidco that give you money back for doing your shopping online. Before you hit pay, check if you can find the item on a cashback website first and cut your costs.

4. Dodge the delivery costs

With most of our Christmas shopping likely to take place online this year, you can avoid any fast or special delivery costs by giving yourself plenty of time for your gifts to arrive. Delivery times are also likely to be slower than usual, so make sure you don’t fork out extra in that last-minute rush.  

5. Reuse, reuse, reuse

Got a pile of spare Christmas cards from previous years or leftover wrapping paper? Instead of simply buying new sets, you might find you can save on those unexpected Christmas costs by using up any leftovers.

What’s more, if you’ve still got a pile of Christmas cards you’ve been sent hidden away, you could cut off the front half and reuse them as present tags. Simply hole punch the top corner and you’re good to go.

6. Spread the cost

If you’re worried about paying for Christmas out of one pay cheque, try to get your shopping ticked off early by buying some of your presents in the months before.

You may also be able to spread the cost even further by making purchases on a credit card with a 0% on purchases introductory offer. For instance, if your credit card has an offer where it won’t charge you interest on your balance for the first few months, you can spread the cost of Christmas by paying off your spending monthly before the promotion ends.

Is there anything we’ve missed? If you’ve got a few great ways to cut the cost of your Christmas shopping, let us know via Facebook and Twitter.

Share this page:



Baffle-free guides to borrowing


Loans guides

Loans can be super confusing, but never fear – our set of loan guides will help you beat the Baffles.

Learn more about loans

Managing money guides

It’s not always easy to know how to handle your finances. Our set of money management guides can help you out.

Learn more about managing money

Credit score guides

Understanding your credit score isn’t always straightforward. But our guides will help put you on the right path.

Learn more about credit scores

Read what our customers say

We're proud to earn a super-positive score from Trustpilot, the leading collector of honest reviews from real customers.



Ready to see your finance options with no impact on your credit score?

Check Eligibility