Christmas on a Budget

Believe it or not, having a fabulous Christmas on a budget is achievable. The holiday cheer, your house decorated in red and green, and beautifully wrapped presents under the shimmering tree does not mean you must overspend this holiday season. All you really need is some planning and creativity with a meaningful holiday budget. Here are some ways you can still have a fabulous Christmas on a budget. 

For Christmas on a Budget, Do Your Research

There are plenty of stores to buy your presents from, but keeping tabs on the stores with the lowest prices can save your budget this Christmas. When you are specifically shopping for presents, you can do research online to find the best deals before your splurge. 

When it comes to a holiday party you can save big by choosing to bake a pie at home or creating some DIY decorations. You might not even realize how great of a baker or self-made designer you really are. The bottom line is that you need to determine which areas you can really cut your budget from and which items or presents are true must-haves.

Get Comfortable with DIY

As mentioned above, some do-it-yourself projects could save you big on your budget this holiday season. There are loads of options for home decor that can cost you little to nothing to create. Just think about items you already own that might just need a fresh coat of pain, pine cones or leaves that you can gather from your backyard or things you can buy from the dollar store and create yourself.

This is also a good time to consider a DIY gift. You do not need to make all of your gifts from scratch, but you can consider some options that your friends and family might find extra fun and thoughtful. There are tons of directions for soaps, sugar scrubs, candles and the list goes on.

Use Cash Back Apps to keep Christmas on a Budget

Another great way to save big on Christmas is to download apps that give you cash back on purchases. Most of the time you are going to purchase items that give you cash back anyway, so you might as well take advantage of the rewards.

Some great cashback apps include ibotta, Rakuten, BeFrugal, and Retailmenot.  Each app has its own set of conditions, reward systems and bonuses. It is best to do a little research on each app in order to find the one that will work best for your purchase history and lifestyle.


This might be a huge turn off for some, but it could lead you to a treasure chest of ideas. Regifting might seem odd, but it really could save you big during the holidays. Some thoughts include regifting books, toys, hardly used kitchen items for someone who is moving for the first time, or gently used baby items for an expecting mom. It never hurts to take a look around your home to see if something is just collecting dust.

Use a Credit Card – Carefully

Another way to earn points and cash back is by using a credit card. Many credit cards offer cash back or points to use on purchasing certain items. This is a great way to get free money. However, using a credit card for purchases can be a slippery slope if you are not disciplined enough to only make certain purchases and to pay off your balance each month. If you are unable to use a credit card properly, you can dig yourself into a deeper hole than when you started. Be cautious, but know your options to save big during Christmas.

Ditch the Paper Cards

Sending and receiving Christmas cards is a very fun and heartwarming holiday tradition. However, if you are in the business this year of saving cash, then pass up on sending cards in the mail. Instead, opt for sending cards online. Chances are, your Christmas cards will end up in the trash. Save those dollars this holiday season.

Bottom Line

Cutting corners this Christmas can be easy and can save you big bucks. It might take a little creativity and diligence, but it will be worth it in the end. Developing an appropriate budget mixed with some DIY decorations and gifts can make all the difference. You can still enjoy all the spirit of the season without going into major debt and wondering what happened come January.