4 Ways I’m Saving Money For Christmas

Last December, Christmas had me in the worst debt I’ve ever been in. This year, I vowed that this would not happen again. Here are the things I’m doing this festive period to ensure I don’t get bogged down in my overdraft again…

Starting Early!

Johnny is a firm believer that you shouldn’t even mention Christmas a week before the big day so when I suggested that we went Christmas shopping in September, he was horrified. However, it’s November now and I nearly have all my Christmas shopping done and I’ve spread the cost over three months which means my bank account hasn’t taken the huge hit in December that it took last year. The only presents I have left to buy now are for Johnny (they’re all in my Amazon basket ready to check-out when my no-spend is over) and something final for my dad. This is the most organised I’ve ever been for Christmas and I’m very proud of myself. 
Deals, Deals, Deals!

I say this to everyone every Christmas but Boots have absolutely stellar bargains on around this time of year. My friend Lucy swears by the Boots 3 for 2 at Christmas time and she always uses her Boots advantage card points to buy them which I think is a bloody fantastic idea. When she did I last year, I decided I was going to steal that idea and this year it has paid of really well for me. My ‘mother-in-law’ is getting a huuuge Bayliss & Harding gift set which I managed to pick up for only £12 when the contents is worth £50, so I hope she’ll be happy with that because I certainly was! Other family members are getting other bargains from Boots as well, all bought with my advantage card points! 
Spend Within Your Means!

This sounds so obvious, but don’t spend money you don’t have. Make yourself a clear budget before you start Christmas shopping and try not to spend over it. Allot different budgets to different people, split the costs with your other half and make sure you stick to them. It can be really challenging to stick to budgets; I always want to go over and buy something extra for my mum, or a little something extra for Johnny but I’ve been so good this year at not doing that and just sticking to what I’ve allotted and it’s made such a difference to my finances. This is something I definitely recommend if you’re struggling with money this festive period. 
Save, Save, Save! 

I decided to do most of my shopping in October and September, then save all my earnings up in November and I’m going to do the last little bit of shopping in December. Last Christmas, I didn’t really take into account what a terrible hit to my finances Christmas would be and I got into so much debt. If you are in debt, and you do need help then you can click here for more info. This year, following a strict budget (I may or may not have an Excel spreadsheet on my laptop) I have managed to do nearly all of my Christmas shopping a month in advance and I’m not struggling financially, which is just fantastic. It means that December money can be used to buy Quality Street and copious amounts of cheese!
Those are my top tips for saving money this Christmas! Especially as a student, money can be really stressful and I don’t want to give my family sub-par presents, so I found these tips have really helped me! What are your tips for money saving this Christmas?

*This post has been sponsored.*


  1. November 14, 2017 / 8:58 pm

    These are some really good tips! When you have a few people to buy for you really don’t seem to notice the damage you’ve done until after, so starting early could be the best way to steer away from that.
    Amber | http://www.amberatlanta.blogspot.co.uk

  2. November 14, 2017 / 10:01 pm

    I'm doing pretty much the same as you. Started buying presents early. Looking for good deals etc. Decembers pay always needs to stretch a little further so it's sensible to do whatever you can to make that long January easier!

    Leanne @ Leanne Marie – Beauty | Fashion | Lifestyle

  3. November 14, 2017 / 11:12 pm

    I love a good deal around Christmas time. Sometimes it’s worth picking a bargain or two up earlier in the year and saving it – I always wish I’d thought to!!

  4. November 15, 2017 / 9:24 am

    These are great tips! I always start saving money for Christmas and the kids’ birthdays as early as possible so I know I’ll have enough at this time of year. It’s such a good idea to spread the cost and I’m definitely a huge fan of the Boots 3 for 2 as well! x

  5. November 15, 2017 / 9:42 am

    Great tips! I think we could all do with being a bit more money conscious around Christmas it can so easily get out of hand. My boyfriend and I always set ourselves a spending limit so we don't go over board (I have the tendency to do that!) which always helps. I also stopped transferring my payments over to my bank last month so a huge chunk of what I earned is sitting in my PayPal and I said "that's my Christmas spending money and not a penny over", and that seems to be working for me so far! That means I'm not constantly digging into my savings (:


  6. November 15, 2017 / 9:58 am

    We have so many people to buy for so we really have to budget carefully x

  7. November 15, 2017 / 9:59 am

    That’s such a good idea! I get paid a lot from PayPal so maybe next year I should do that too! Thanks for the tip, Jenny! X

  8. November 15, 2017 / 10:07 am

    These are such great tips! This year I've pretty much told everyone that I'm not doing Christmas. As a student, I'm only working part time and have to pay for things like rent and food! I do try and set a budget then so at least I can buy my nearest and dearest something small! And maybe even use my Boots points! Although I might just save them for myself and the Boxing Day sales!

    Sian x

  9. November 15, 2017 / 10:19 am

    Christmas is always such a stressful time for money and budgeting! I always spend far too much that I don't have as my love for people outweighs logic and then I spend the whole of January panicking and leaving off of beans hahah. This is some really helpful info, I always forget about the 3 for 2 in Boots, I love their little cooking sets with spices and whatnot they're so cute! Black Friday sales are a good time to stock up on prezzies too!
    Alice Xx

  10. November 15, 2017 / 11:28 am

    These are all great tips Chloe! I spent way too much money in December last year, so I've told myself that everything needs to be bought this month in November, so I can be super organised and have everything all bought and wrapped before Christmas 🙂 xo

    Char | http://www.charslittleblog.co.uk

  11. November 15, 2017 / 12:50 pm

    I’m also a student! And yes, don’t forget to treat yourself too! X

  12. November 15, 2017 / 12:51 pm

    Yeah! Black Friday next Friday so I can’t wait to get some bargains!

  13. November 15, 2017 / 7:07 pm

    Dayum girl, I am so impressed at your Christmas organisation! That you've pretty much finished your shopping already is brilliant, and it's something your bank account has got to be thanking you for! I am on the hunt for a gift for my boyfriend still – he's just so hard to buy for! Taking advantage of deals is brilliant advice as well, Boots really are fantastic with theirs atm!

    Abbey 💋 http://www.abbeylouisarose.co.uk

  14. November 15, 2017 / 8:40 pm

    Starting early is something that I've been doing too! I've almost finished my Christmas shopping now and I'm sooooo glad I have. I've managed to get most things either on cheaper eBay/amazon stores or on etsy/not on the high street and using discount codes online before they all disappear for christmas haha!! You've done a great post Chloe xxxxx

  15. November 15, 2017 / 9:40 pm

    Boyfriends always are so hard to buy for, aren’t they? I have never been this organised for Christmas before so I feel pretty great!

  16. November 15, 2017 / 9:40 pm

    Discount codes is such a good one! Thanks Debra xxxx

  17. November 15, 2017 / 10:05 pm

    Boots 3 for 2 is amazing, and so is saving up your Boots points even if I tend to save them and use them up before then haha. I definitely agree with the starting your Christmas shopping early too, I haven't done this this year but it does help so much when you do. I'm always searching for a discount before I purchase anything online too. xx

    Kristy | thevioletblonde.com

  18. November 16, 2017 / 12:34 pm

    I deffo agree that you should start early as it just makes everything so much easier! I also love using the Boots offers and deals as they're always so great and they save so much money! xx


  19. November 16, 2017 / 2:21 pm

    People always think I’m daft for getting presents this early but it really does help keep prices low! Black Friday is always good for deals but I only ever shop online, can’t deal with all the frantic shopping!
    Emma | emmadrury.com

  20. November 16, 2017 / 2:28 pm

    Can’t wait for Black Friday to get the last few prezzies for my family!!

  21. November 16, 2017 / 4:00 pm

    These are some amazing tips! I’m definitely trying to get Christmas out the way right now and save for other things so these tips have been so useful x

    Kayleigh Zara 🌿www.kayleighzaraa.com

  22. November 17, 2017 / 9:41 am

    Great tips! I deffo recommend putting a little bit in savings each month so you don't get a shock when you have to start buying present later in the year! Also shopping in the sales (like black friday) is a good way to save a ton of money too! x



  23. November 17, 2017 / 1:02 pm

    I love picking up and a bargain or two over Christmas. We love waiting for certain sales for the family and our friends. Saves us so much money.

  24. November 17, 2017 / 1:46 pm

    These are some amazing tips, I started my Christmas shopping early too and It really does help instead of spending everything at once. I agree that boots have some amazing deals on over this christmas period and thats always my first starting point!

    Sarah | http://www.sazsinclair.com xx

  25. November 20, 2017 / 7:35 am

    I’m normally the type of person to shop on Christmas Eve. But his year I started shopping at the end of October x

  26. November 20, 2017 / 7:34 pm

    Ahhh I totally need to start saving for Christmas! I plan to get as many presents as possible in the Black Friday sales to save a little money!
    PaleGirlRambling xo

  27. November 23, 2017 / 4:23 pm

    I have most of my Christmas shopping done, as I have been buying for a while. It is so easy to save when you start early. Boots 3 for 2 is honestly a life saver!! xox

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