Christmas is one season that sparks excitement and anticipation. It is time to come together as an extended family, decorate Christmas trees, exchange gifts and generally have fun. For Christians, it is time to sing carols songs, go to church and visit different houses to sing Christmas songs.

All these festivities require spending money. Therefore, if you did not adequately plan for Christmas, you can end up spending more than you can afford leading to debts. One of the ways you can prepare for Christmas is buying gifts in advance, set aside a Christmas saving fund, etc. 


Golden rule is to start saving early. Do you want to learn how to save for Christmas? Keep reading.

Learn How to Save Money for Christmas
Image Source: Valchoice

Pack Your Own Lunch

Buying food at the restaurant is one of the ways we spend money daily. However, you can save it up by packing your own lunch. Moreover, it is your own customized food cooked with your rightful ingredients and in the right amounts. 

Say hello to office microwave food and save up a few dollars for Christmas. The money you spend daily buying lunch may look small, but it adds up overtime. It is also another way of putting leftover food to work–double saving and learning that leftover food is still good after all.


Try Generic Brands

If you love buying a certain brand of milk, cereal, yogurt, spices, flour etc, you can change to generic ones in the time being so you can save up enough. It is small changes like these that make a difference and help you realize your saving goals. 

If you decide to purchase only generic meals in about two months, your groceries bill can be slashed by about $50 which is not a bad start. Don’t ignore these small changes because they add up to cause a significant difference. 

Do Away With Cable Bills

Cable subscription consumes a lot of our money, in case you didn’t know. Moreover, you can watch your favorite TV channels without incurring cable fees.  Try Disney+, Hulu, Netflix, Amazon Prime, Apple TV, Roku, Sling antennas, Netflix and skinny cable bundles, you have limitless choices to watch your favorite TV channels. If an average person spends approximately $100 monthly on cable, they will save about $200 in 2 months for Christmas spending.

Cold Water Instead of Hot Water

Water heater is another huge bill that takes a big chunk of our monthly payments. Cut it down by using cold water as opposed to hot. Also, use cold water to do laundry and your monthly energy expenditure will decrease. Adjust the temperature on your washing machine and dish washer and turn off the faucet as you brush your teeth.

Let everyone in your house know you need to cut on your monthly bill and therefore people have got to decrease their shower time by half. It looks tough to do, but on Christmas, everyone will be happy. Also, ensure people use less water as much as possible to cut on the water bill too. 

Learn How to Save Money for Christmas
Image Source: Magestore

Unplug Electronics

Most people don’t know that leaving electronics plugged, even if not in use consume electricity. Therefore, ensure you unplug all the appliances you are not using. 

Even having a power cord plugged consumes energy, called phantom energy and many people pay highly for it without knowing. Instead of complaining that that’s being charged for nothing, ensure your every device that is not in use is unplugged.

 For big things like TV, sound system, DVD player, etc, have them plugged into a power strip so you don’t unplug each one at a time which can be annoying. For major appliances like washing machines, oven etc don’t worry about unplugging them as they pack a heavy voltage and can easily electrocute you.

Sell Off Stuff with Apps

Instead of having lots of stuff that you don’t need, you can consider selling them off for extra cash to save for Christmas. Each item may not be worth much money, but you’ll be surprised at the total money you get by selling everything you don’t need.  Moreover, selling off items has been made much easier.

 All you do is get the picture of the item, post it on apps or sites like Facebook Marketplace, Poshmark, Letgo, Decluttr and OfferUp, among others. After posting, sit down and wait for people to make an offer. You can also try the conventional garage sell, but it requires more work and time, yet these apps are easier and convenient.

Turn Off Air Conditioning and Heat

You might not need air conditioning all the time. You can alternate it with opening windows and doors so bad air moves out and fresh air comes in. This way, you are saving on energy used by air conditioners

Also, if it’s not winter, why do you have heaters on? In fall, temperatures are usually mild (depending on where you live). Take advantage of good fall weather and switch off air conditioners and heat.

Avoid Using Your Credit Card

Try as much as possible not to exceed your credit card limit in the months nearing to December. You can set another fund that you’ll use to shop in November and early December. Leave your credit card for last minute things. 

This way, you are not likely to meet or exceed your limit which will lead you into debts. Also, avoid using your credit card for Christmas spending.


One of the best things you can do to prepare for Christmas is saving. Start planning early, cut off some things like buying food, going for movies and other luxuries. Reduce utility bills by turning off heaters, air conditioning and not paying cable fees.