Christmas Budgeting

Do you feel under pressure and tempted to spend money that you cannot afford at Christmas?

For many people, Christmas is a special time of year but it can also be a financially stressful time with the cost of presents, decorating and food shopping. To help you prepare for the cost of Christmas, The Consumer Council has tips to help you save money and a budget planning tool to help you manage your spending.

Top tips to help save money this Christmas

Below are some tips to help you manage your money and make savings.

  • Make a list of what you need and who you need to buy for
  • Make a realistic budget – and stick to it
  • Start shopping early to spread your spending
  • Shop around and compare prices
  • Get receipts for everything and keep them safe in case you need to return a purchase
  • If buying online, make sure you are buying from a reputable website to avoid scams. See our guide for more information:
  • Cash in your gift vouchers
  • Do not shop for Christmas food when you are hungry
  • If you have anything left over after Christmas, why not buy next year’s cards and wrapping paper in the New Year sales?
  • If you do get into debt, pay it off as early as you can


Get the gift of a handy budgeting tool to help you manage Christmas spending

Setting and keeping to a fixed budget can ease your worries and will reduce financial strains that can last well into the New Year. To help you stay within your budget, The Consumer Council has put together a Christmas budget planner. The planner will help you plan your budget for gift and food shopping.


To download a free copy of the planner, visit Alternatively, request a free copy by calling The Consumer Council on 0800 121 6022 or emailing