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How to Afford the Perfect Family Christmas


It’s the most wonderful time of the year, right? Especially when we have kids, we want to make it as magical as possible for them. Days out, Christmas decorations, Christmas parties, food and presents. But it all adds up, doesn’t it? So how can we make sure we are able to afford the perfect family Christmas?

Here are a few tips and tricks that might help you out.


The very best thing you can do when it comes to Christmas, is to save. Save all year round if you can. Even if it’s just a few quid here and there, over 12 months it all adds up. We try to put away £50 each month for Christmas, it goes into a separate account so that we can’t get at it. Over 12 months that alone is £600 which should cover most of Christmas, if you’re sensible.


As early as possible, sit down and make a list of everyone you need to buy gifts for, how much you will spend on food, parties, days out etc. Then look at how much money you can comfortably afford to spend on each of these things. Even if it means you can only spend £10 on some people, it’s better than nothing and remember that it really is the thought that counts.


In my opinion, at Christmas the kids are the priority. If you haven’t got much money to spend on Christmas then prioritise the most important people. Spend more on the kids and less on distant relatives and acquaintances etc. Consider giving homemade gifts instead of spending money on shop bought gifts, Pinterest has some great homemade gift ideas.

Start early

The earlier you start your Christmas shopping the longer you have to spread the cost out over. It’s always harder when you have to spend a large amount of money all in one go, so spread it out over a few months or even over the whole year. Shop in the January sales, you are guaranteed to pick up some amazing bargains there and then of course there’s the Black Friday and Cyber Monday sales.


Now of course a loan should only be considered if absolutely necessary and if you have carefully thought about how you will pay it back. A small loan over a short period of time can be very beneficial and relieve a lot of stress, especially over Christmas. Pay day loans often get a bad rap, but I have to say we have taken them out on a couple of occasions and never had a problem.

Vivus Loans offer short term loans from £100 to £500 for up to 41 days. You can use their online calculator to work out exactly how much it will cost. So for example if I wanted to borrow £150 for 10 days, the interest would be £24.60. Of course it goes without saying, only ever take out a pay day loan if you are sure you can pay it back and are not already in any financial difficulty.

I hope that you found this helpful. Have a great Christmas!

Thanks for reading.