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No one wants to fall into debt over the holidays, so it’s important to figure out how to save money over Christmas.

It shouldn’t come as a surprise that over the holiday season, some people tend to overspend, leaving themselves in a less than positive financial situation.

Making sure to stick to a budget over the holidays is certainly something that many should do this Christmas season.


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To start saving money over the holidays, it’s crucial to take the time to meticulously plan a budget for your Christmas shopping.


Creating a budget and sticking to it is important when it comes to the holidays and saving money.

If you want to keep your finances in check over the holiday season, you will need to set a budget for gifts, food, decorations and everything else associated with the most wonderful time of the year.

Just make sure that once the budget has been created, you stick to it.


Always track your spending effectively over the holiday season.

Spreadsheets are an excellent way to track your spending this Christmas.

They allow you to keep yourself accountable to your goals and budget.

Just make sure that you stay on top of tracking, it is important that you input spending as often as possible.

If spreadsheets aren’t your thing, try a budget tracker.


While it is normal to splurge a little over the holidays, just don’t go too overboard.

Don’t allow yourself to get caught up in a cycle of constant spending on those extras because it eats away at your budget.

While a hot chocolate every once in a while may be pleasing, try not to go all out.

Rather than buying a fancy beverage at a high-priced coffee bar, make your fancy hot chocolate at home to save money.


Rather than purchasing individual gifts for everyone in your extended family, suggest doing a secret Santa gift exchange this year.

This will help to make sure that you keep your finances in check all while ensuring that everyone gets a gift.

It is extremely easy to get caught up in the joy of the season and totally forget to keep your finances in check.

If you have a plan in place, a budget set, track your spending, cut back on extras and participate in a secret Santa, you won’t have to dread your bank account statements after the holidays.

You may also like this post on 50 CREATIVE WAYS TO SAVE MONEY IN YOUR DAILY LIFE:

jar with coins

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Carole D

Saturday 29th of December 2018

These are all great tips! We always stick to a budget! Gift don't need to be expensive.

Holly D

Tuesday 18th of December 2018

Great tips! It's so hard this time of year, but so necessary! I have gotten a lot better about making a budget and sticking to it. Not 100% there, but I will be!


Tuesday 18th of December 2018

I know its difficult to stick to a budget, especially during the holidays. I have found that limiting presents for kids (want , need, wear and book) and adding baking or homemade presents to smaller gift cards for teachers, caregivers, etc. goes a long, long way. Thanks!

Tammi L.

Thursday 13th of December 2018

Every year this is my intention. Every year this is my fail. Every year I try, I really do... but it's so hard. I just want to make the people I love happy. And yes, I know you can't buy happiness - but it's hard not to give them the things they want. The worst thing about it is the strife between my husband and I over it... he becomes like a scrooge trying to keep me in check and I resent that. Poor guy. Good thing he loves me, lol.

kathy downey

Wednesday 5th of December 2018

Thanks for the tips I need to keep these in mind!