The holidays are almost here, and with them comes the pressure to spend—on gifts, meals, decorations, and everything in between. For many, Christmas can easily turn into a season of overspending, leaving stress come January.  

 Here's some of my top tips to save money this Christmas. 

Set a Realistic Budget 

The first thing I’m doing this year is setting a budget. It sounds simple, but it’s the key to avoiding overspending. 

Sitting down to figure out what I can comfortably afford to spend on gifts, food, and celebrations, being realistic about my finances and sticking to what feels manageable. 

A budget gives me peace of mind, knowing exactly how much I have to work with, and helps me make thoughtful decisions without guilt. 

Shop Early and Watch for Sales 

I’ve learned that starting my shopping early is a game changer. 

I’ve already begun picking up gifts when I spot good deals, rather than scrambling last minute. 

Shopping early means I can take advantage of sales without the pressure of trying to find everything in a rush. 

 There are often discounts in November and early December that can make a big difference. 

This also helps me avoid the Christmas chaos in stores, which is a win for my sanity, too! 

Embrace Secret Santa or Gift Exchanges 

With a large family, buying individual gifts for everyone can get pricey. 

So, we often do a Secret Santa exchange for the adults, Instead of buying presents for all 10 cousins, we’ll each draw names and buy one thoughtful gift for someone. 

 Not only does this cut down on the number of gifts to buy, but it also makes the exchange more personal, as everyone can focus on finding something really special for just one person. 

Secret Santa also brings an element of surprise and fun to the process! 

And if you’re tight on money, homemade or low-cost gifts—like a movie voucher or a batch of homemade cookies—can still make a big impact. 

DIY Gifts with a Personal Touch 

Handmade gifts have always meant more to me, so I’m making a few things myself this year for little gifts for my Neighbours . 

From baked goods to plants or even a photo album of memories, DIY gifts are thoughtful and don’t need to cost a lot. 

Plus, you get to add your personal touch, which makes the gift-giving experience more meaningful. 

If you’re not sure where to start, there are endless ideas online. 

Cut Back on Decorations 

While I love decorating for Christmas, I’m taking a more minimalist approach this year. 

 Instead of splurging on new decorations, I’m reusing what I have and focusing on the simple things—like fresh greenery . 

 I’ve also started making my own wreaths and centerpieces using pinecones, ribbons, and other natural elements that are both beautiful and affordable. 

 It’s a small way to save money while still creating a festive, cozy atmosphere at home. 

Another great tip is to check out your local op shop, most sell Christmas items they save up through the year around this time, and its a perfect way to buy decorations at a fraction of the price. 

Plan Your Christmas Meals Ahead of Time 

Food is always a big part of the holidays, but I’ve learned that planning ahead can save a lot of money. 

Buying a little something to put away for Christmas each week makes a big difference when the Christmas shop rolls around. 

Or why not try having a potluck-style Christmas dinner with everyone bringing a dish, which makes the spread diverse and affordable, It’s also a great way to share the cooking load, which gives you more time to enjoy the festivities. 

Shop local markets  

One of my favourite ways to save money while finding unique gifts is by shopping at local markets. 

 Markets can be a treasure trove of affordable local handmade goods, artisan crafts, and toys for the kids, that make for memorable gifts. Whether it’s a hand-knitted scarf, a locally made candle, or a jar of homemade jam. 

Give Experiences Instead of Gifts 

Sometimes the best gift isn’t something that can be wrapped. I love giving experiences rather than material gifts. It could be something like tickets to a show, a voucher for a special activity, or even a homemade coupon offering to babysit or help with a task. These types of gifts are often more meaningful and can be much cheaper than buying physical items. 

Experience-based gifts can also create lasting memories, which is what Christmas is truly about. 

Ultimately remember, Christmas is about love, connection, and creating memories—not about how much you spend, Saving money this Christmas doesn’t have to mean sacrificing the joy of the season.