These Christmas money hacks will save you hundreds every year.

10 Easy Tips That Will Save You Money During Christmas

Christmas is my absoulte favorite time of year. The lights, decorations, music, & fellowship seem to always keep me on cloud 9.

Until, I check my bank account after the holidays & have to wonder what the heck happened.

Has that ever happened to you?

In order to avoid blowing budgets away, I’ve found the best tips & tricks to saving money during Christmas. Some of these tips even help you to make money while spending money!

Disclosure: This post contains affiliate links. Which means I will earn a commission if you purchase through those links. This is at no extra cost to you. You can read my full disclosure policy here.

Hacks that will save you money during Christmas.

1. Secret Santa Gift Exchange

One of the biggest costs for Christmas is the gifts. You can bring the cost down drastically, especially if you have a large family, by having a gift exchange.

Use sites like Elfster to help assign everybody a secret Santa person. It’s easy to set up; you will set a maximum budget & enter everybody’s email into the system. Then each person will fill out a short survey on their likes & dislikes. The computer will do the rest.

These 10 hacks will help you save money during the Holidays

2. Use Cash

This is the most basic yet one of the most effective ways to save money during. Simply set a budget &  then use cash to make all of your holiday purchases.

Use a holiday planner to stay organized this holiday season.

3. Make A List & Check It Twice

Stay organized this Christmas by making lists.

  • Meal plan
  • Grocery list
  • Holiday cards
  • Gift planning
  • Decorations

The best way to save money is to make your lists, check them twice to make sure you have everything & stick to it.

Impulsive buying is trouble. I admit to being guilty of thinking I needed something so I buy it. Then I realize that it either junk or I already had it.

Staying organized with these lists is simple with a planner. You will love this Holiday Manager.

Tips & tricks to save money during the holidays

4. Start Early

Get a jump on the Christmas season. Even if it just with gift planning or meal planning.

Why? Because, of the sales. It’s a common misunderstanding that the best deals are during the holiday season. But, it’s not.

Many retailers have amazing deals throughout the year. For instance, Amazon has Prime Day, which has amazing deals. Some of which are even better than their black friday deals.

If you know what you’re looking for in advance, you can snag it.

Don’t forget you can also look at the seasonal clearance sections in stores & snag deals there. Trust me, your kiddos won’t care if they get last season’s Hatchimals instead of this season’s.

The best tricks to saving money during the holidays.

5. Give Homemade Gifts

There was a time when the term “homemade” made people cringe. But now DIY gifts are amazing. Not only can you cut the cost on commerical gifts but you can make each gift special for each person.

Here are some fun homemade gift ideas:

  • Wall decor
  • Soup in a jar
  • Bath bombs
  • Gifts from Etsy
  • Blankets
  • Personalized coffee mugs
  • Jewlery
  • Rice heating pads
  • Candles

6. Use Ebates & Ibotta

In today’s world, it’s easier to shop online. You can avoid the hustle & bustle of the stores & have your gifts sent right to your front door.

But now you can get the added bonus of shopping online while saving & making money during Christmas.


Ebates is amazing. You get paid everytime you shop. Yes, you heard right will get cash back everytime you shop (thousands of stores) with Ebates. It’s not a gimmick & it’s not a reward system. You will learn how it works with my tried & true money making post.


Ibotta is similiar to Ebates in that it will pay you to shop. However, Ibotta pays you after you’ve shopped. After shopping you will look through the deals & find the items that you’ve already purchased, then scan in your reciept. Then boom instant money back.

7. Say No

It can be a bit of a taboo subject. But this is simple, just say NO.

It’s ok to say no to people, especially if it affects your time & budget.

Things you don't need to buy during the holiday

8. Cut Back On Extras

During the holiday season it’s very easy to get caught up in the little extras. But all of those pumpkin lattes start to quickly add up. Cut back on those extras.

  • Eliminate pictures with Santa that you have to buy, try to find places that will allow you to take your own.
  • Make your own fun drinks.
  • Create your own photo shoot.

The best tips to saving money during Christmas

9. Start Frugal Traditions

Having family traditions not only gives your family something to look forward to, but it’s a great way to plan ahead with your budget. Here are some ideas of some traditions that you can start with your family:

  • drive through neighborhoods to see the lights
  • bake cookies together
  • go sledding
  • participate in caroling
  • visit a local santa
  • go see a local theater production

You can also check Living Social or Groupon for local deals in your area.

The best tips & tricks to celebrating the holidays on a budget.

10. Have a Potluck

It seems to be tradition that there’s at least 1 party that you’ll either attend or throw every year. To help you throw the party on a budget, have a potluck. I promise it’s not tacky. In fact you can make it fun.

Instead of having traditional food for a potluck try one of these ideas:

  • Cookie or dessert party
  • Hot chocolate party
  • Soup party
  • Salad party (not just leafy salads; try ambrosia salad, pasta salad, or loaded potato salad)

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Secret hacks to saving money during Christmas.

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