Hey, guess what?! Christmas Day will be 25th December again this year!
It happens every year, yet it still catches us by surprise. December is likely to be an expensive month, so now is the time to start cutting back a little bit and start saving. The more you have save ready for Christmas the easier your Christmas will be – why not join many of our members by saving regularly with our Christmas Saver?
You can only withdraw Christmas savings between 1st October – 31st January (You can withdraw your funds now)
If you think things might be a bit of a stretch this year then a credit union Loan can help spread the cost of Christmas and take care of some of the stress.
The Christmas season can be stressful; family get-togethers, Christmas Day dinner, parties, presents to purchase, entertaining the kids, feeling short of money and bills to pay. The more organised you are then the easier it will be.
1. Budget:
We know it’s not the most exciting task, but making a list of everything you’ll need for Christmas and estimating the costs is the first step to a stress-free festive season. Our Christmas Budget Sheet is the perfect starting point.
2. Start Saving Now:
Once you’ve seen how much Christmas might cost, look at where you can cut back on other spending and start putting money aside. Our Christmas Saver Account is a great way to build up your festive fund.
3. Shop Smart:
Avoid last-minute panic buying — it’s usually more expensive. Start your shopping early and compare prices to make sure you’re getting the best deal.
4. Ask First:
Do you know what your family and friends really want? Simply ask! And don’t forget to let them know your budget too.
5. Second-Hand is OK:
Kids’ toys can be pricey — consider Freecycle, Loot, Gumtree, or eBay for bargains. Just be cautious with used electrical items for safety reasons.
6. Focus on the Kids:
Agree with friends and family to buy gifts for children only. It’s cheaper, simpler, and less stressful.
7. Travel Smart:
Visiting family this Christmas? Book train tickets or flights early — it usually saves money.
8. Santa Letters:
Have your kids written to Santa yet? Send letters to:
Santa/Father Christmas, Santa’s Grotto, Reindeerland, XM4 5HQ
Make sure it arrives by Wednesday 10 December 2025 so Santa can reply (with a little help from Royal Mail!).
9. Keep an Eye on Sales:
Pre-Christmas sales can be a great way to pick up bargains.
10. Make Memories, Not Just Gifts:
Book experiences like theatre trips, shows, or theme parks — gifts everyone can enjoy and remember.
11. Teach Kids About Money:
Help your children learn financial skills with a debit card account. Many children’s accounts come with smartphone apps and parental controls.
12. Celebrate on Your Schedule:
Christmas doesn’t have to be 25th December — if meeting family or friends on the day is tricky, consider holding your celebration earlier.
13. Budget Year-Round:
Budgeting isn’t just for Christmas — it’s a lifelong habit. Use our Budget Planner to stay on top of your family finances.
14. Consider Experience Gifts:
Give the gift of an experience — movie tickets, a day out, or a spa voucher can be more meaningful than material items.
15. Group Gifting:
For bigger items, team up with family or friends to share the cost.
16. DIY Gifts:
Handmade gifts like baked goods, crafts, or photo albums are personal, meaningful, and cost-effective.
17. Share the Tips:
Help friends and family have a smarter Christmas too — share this guide!
