1. Start with a Budget Plan
It all starts with a plan! Make a list of all the things you need for Christmas—gifts, food, decorations, and any holiday travel expenses. Once you know what you need, set a budget for each item. Breaking it down this way can help you avoid overspending and allow you to spread out the costs.

2. Use the “Envelope Method”
If you struggle to stick to your budget, the envelope method might help. Divide your spending categories (gifts, food, etc.) into envelopes and put the exact amount of cash you’re willing to spend in each one. It’s a simple, tangible way to stay on top of your spending and avoid going over your limit.

3. Save on Gifts by Getting Creative
You don’t need to splurge on expensive gifts to make someone’s Christmas special. Homemade gifts, like baked treats, personalised photo albums, or DIY crafts, can be more meaningful than something store-bought—and much easier on your wallet!

4. Shop Early to Avoid Price Hikes
Waiting until the last minute to buy Christmas presents can lead to overspending, as prices tend to rise the closer it gets to the big day. Start your shopping early in September when prices are still reasonable, and take advantage of sales or discounts. It’ll also give you time to compare prices and find the best deals.

5. Cut Back on Non-Essential Spending
This month, try cutting back on non-essential spending. Whether it’s fewer takeaways or skipping that extra coffee, putting those savings aside for Christmas can really add up over time.