Save money this Christmas
Christmas can be expensive, with everything from presents and decorations to food and travel all adding up.
So how can you keep costs down and avoid starting the new year with a financial hangover?
Christmas debt calculator
To help you take control of your festive finances before costs snowball, we’ve launched a free interactive Christmas debt calculator.
Find out how long your festive borrowing could take to repay and how much interest it might cost.
It’s simple, practical, and designed to help people make informed decisions before the shopping rush begins.
Christmas debt calculator
Try our Christmas debt calculator and head into the new year with confidence, not worry.
How much wiggle room do you have for extra spend?
If you’re not sure what your budget can stretch to this Christmas, a clearer picture of your finances can help you plan with confidence.
Explore our advice on managing seasonal spending, cutting everyday costs and making room for the things that matter most.
Check your budget
Use our free budget tool to see what you can realistically afford, understand where your money is going, and make confident decisions.
Christmas top tips
Christmas spending can easily get out of control, so planning ahead can make a big difference.
Work out what you can afford to spend
Make sure you know how much you’re likely to spend on essentials like bills over the Christmas period, so you can budget for Christmas without creating bigger financial problems.
Make a present list
Write a list of each person you want to buy a present for, what you’d like to buy for them and how much you’re willing to pay.
Don’t leave it all to the last minute
Start buying Christmas presents and festive snacks and drinks early so you can spread out the cost.
Make travel arrangements early
If you’re planning to visit family over Christmas, you might get better deals on flights, trains and accommodation if you book sooner rather than later.