Published: 15/11/2021


You can be money savvy during the festive period without limiting the fun. Many of us will spend more than £800 at Christmas, so the pressure is building. Here are our tips how to save some money this Christmas.


It could be quite hard to pay for Christmas out of December’s wages, so it makes sense to save as much as you can beforehand. The sooner you start the habit, the easier it’ll be to save a small amount monthly and the bigger your pot.

Automatic savings accounts – These apps calculate how much you can afford to save each month or round up your spend putting it away for a rainy-day, and pay interest

If you shop with Amazon, collect Amazon credit and save it towards Christmas. There are ways to earn even more by completing surveys and taking advantage of sign up offers where possible.


Schemes like these let you pay in over the year and at Christmas you’re given gift cards/cash amounts to spend in store. But, be aware.  If the clubs fail, you are likely not protected by the Financial Services Compensation Scheme.

Some supermarkets offer Christmas savings schemes, paying interest. They’re not FSCS protected and of course you have to spend your money with them.

Christmas loans from your credit union. Your savings are FSCS protected. Some now offer cash ISA’s as part of their savings range. Find your local Credit Union here.


If you’re a regular shopper, loyalty cards can be a really useful way to save money on your shopping.

Loyalty cards that would allow you to build up points that you could redeem around Christmas include:


Cashback is a cash reward that you receive after making a purchase through specific websites or stores usually all year round.  You can find more details here of savings to be made.


We all shop at Amazon and there are lots of money saving sections that the average buyer isn’t aware of. Amazon’s money saving features used wisely can be a paradise for bargain hunters!

  • Amazon Lightning Deals
  • Warehouse Deals
  • Certified Refurbished
  • Amazon Outlet
  • Coupons & Vouchers

Amazon Prime gives you unlimited FREE one-day delivery, and other benefits such as access to songs and playlists, exclusive offers and priority access to lightning deals – super helpful for last minute Christmas buying!

You can also bag a bargain in Amazon’s Black Friday promotion.

Where to find Amazon’s best deals.


From spa days, track racing days, pamper days, balloon flights for individuals and couples, experience days are a really thoughtful personal gift. There are a wide range of gifts available. Most cost less than if you booked direct.

Last updated: 30/11/2021