5 ways to celebrate Christmas on a budget

It’s the most wonderful time of the year so the song goes. It can also be one of the most expensive times of the year. Between parties, family gatherings, food, presents, travel and other festive activities, the amount you spend can creep up on you easily over Christmas – something many people can find stressful once it’s all said and done. 

We’ve put together 5 easy ways to celebrate Christmas on a budget.

1. Do a Kris Kringle/ Secret Santa within your family

Consider doing a Kris Kringle or Secret Santa amongst your family. Christmas is a great time to show appreciation and thanks to your family by giving presents. While present swapping is fun, it can also be stressful for some people and can leave you with a bunch of stuff you don’t really need. Some websites offer a Secret Santa service and are an easy way to run the game so nobody has to miss out.

2. Share the catering on Christmas Day

Hosting Christmas this year? Why not ask your family and friends to ‘bring a plate’ to help make a contribution towards the day. Not only will this save you time and stress but it will also save you dollars when it comes to the checkout.

3. Do your research before hitting the shops

Whether you know what you’re after or you’re up for a browse, checking out online deals is a great way to save time and money when buying presents. Many electrical stores will match prices offered online. Whether it’s presents or food you’re after, researching online or via catalogues can help you know which stores to target for which product.

4. Switch supermarkets

Aussie shoppers have saved $593,841,514 in the past five years by switching supermarket suppliers! With Christmas fast approaching now might be a good time for you to consider making a switch to help save money. Cut-price stores such as Aldi are big players these days and can offer shoppers quality products at reduced prices from some of the bigger stores.

5. DIY Decorating

Do-it-yourself decorating has never been easier than it is today.  With social media forums such as Pinterest and Instagram at your fingertips you’re spoilt for choice when it comes to ideas. From hand-made wreaths to a modern twist on paper chain garlands you can use items from the garden or recycled material to save even more money when decorating your home this festive season.  


Next Christmas, don't get caught out financially needing to buy those "must have" toys for your kids. Open a Heritage Bank Christmas Club account today and start saving!

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* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.