11 Best Ways To Do Christmas Shopping On A Budget In 2024

The Fellowship of Penny Calling Penny
December 19, 2023
11 Best Ways To Do Christmas Shopping On A Budget In 2024
11 Best Ways To Do Christmas Shopping On A Budget In 2024

Disclaimer: Penny Calling Penny is an affiliate website. This means that we get a small commission when you click some of the links in this article. Don’t worry – we’ll never recommend anything we wouldn’t use ourselves.

Christmas, the most wonderful time of the year, can often be accompanied by financial stress. 

The pressure to find the perfect gifts and decorate your home beautifully can be overwhelming. But guess what? 

You can navigate this holiday season without blowing your budget.

In this blog post, we’ll guide you through the art of Christmas shopping on a budget, ensuring you have a joyous celebration without the hefty price tag.

How Much People Spend On Christmas Shopping?

The year 2022 witnessed a heartwarming yet revealing statistic: an average expenditure of almost $920 by each American on Christmas gifts and decorations.

This considerable sum reflects the beautiful sentiment of making our loved ones feel cherished and creating a festive atmosphere. 

However, this financial outlay, while an expression of love and generosity, also raises awareness about the potential strain on personal budgets. 

Finding the balance between celebrating and overspending during the holiday season is crucial. 

Let’s explore practical and meaningful strategies that can help maintain the warmth of the season while keeping a keen eye on our financial well-being.

11 Best Ways To Save Money During Christmas Shopping

The art of Christmas shopping on a budget isn’t just about finding the cheapest gifts; it’s about making the most of your budget while still spreading joy and holiday cheer. 

Let’s explore a variety of strategies to help you save money during the holiday season.

1. Take Advantage Of Those Last-Minute Online Sales

As Christmas approaches, many online retailers are eager to clear their inventory. 

This eagerness often translates into significant discounts for shoppers who are willing to wait until the last minute.

Example: Imagine you’re on the hunt for a new tablet as a gift. By waiting for last-minute online sales, you discover a deal on a high-quality tablet that’s 30% off its original price.

Pro Tip: Last-minute sales can be particularly fruitful for tech gadgets and electronics, so consider delaying your purchase for a better deal.

2. Prioritize Your Loved Ones  

In the spirit of the season, it’s easy to feel obligated to buy for everyone you know. 

However, a budget-friendly approach involves focusing on the people who matter most in your life.

Example: You decide to allocate a more substantial portion of your budget for gifts for your immediate family and closest friends, ensuring that their presents are particularly special.

Trim your holiday spending with our Free Christmas Budget Printable.

(By subscribing, you agree to our terms & conditions, privacy policy, and disclaimer.)

3. Recycle Gift Cards

We often receive gift cards throughout the year that we forget to use. 

During the holiday season, these overlooked cards can be a hidden source of budget relief.

Example: You dig out those gift cards you’ve received over the past several months and use them to purchase holiday gifts. This effectively reduces your overall spending.

Pro Tip: To maximize savings, always check the remaining balance on your gift cards before using them.

4. Use Brand Suggestions

Various online platforms provide gift suggestions within your budget. 

These can serve as helpful starting points for your holiday shopping, especially when you’re not sure what to buy.

Example: You browse well-known e-commerce websites like Amazon, Walmart that offer gift ideas tailored to different budget ranges. This helps you find suitable gifts for your loved ones without breaking the bank.

According to a recent survey, 35% of shoppers find online brand recommendations helpful in making their purchasing decisions.

Best Websites For Christmas Shopping On A Budget

5. Have A Game Plan, Make A Budget  

Before you dive into holiday shopping, creating a clear game plan and a well-defined budget is crucial. 

It’s the foundation for a successful budget-friendly Christmas season.

Example: You sit down and calculate the total amount you’re comfortable spending on gifts, decorations, and all other holiday-related expenses. This budget becomes your financial roadmap.

Pro Tip: Utilize budgeting apps like Mint, Cleo or YNAB to monitor your holiday spending. These apps provide a visual representation of your financial health and can help you stick to your budget.

6. Shop At Stores That Have Been Struggling  

Supporting struggling businesses during the holiday season can lead to more substantial savings. 

Stores facing challenges are often motivated to offer competitive prices.

Example: You decide to shop at a local boutique that’s been going through a tough year. As a result, you find unique gifts and take advantage of attractive discounts.

Pro Tip: Shopping at struggling stores not only benefits your budget but also supports your local community. It’s a win-win situation.

7. Get A Credit Card

Certain credit cards come with cashback rewards or discounts designed specifically for holiday shopping. 

Leveraging these cards can help you save money on your purchases.

Example: You apply for a credit card that offers cashback rewards on holiday-related expenses. As you shop, you accumulate cashback, effectively reducing your overall spending.

Pro Tip: Be sure to choose a credit card with rewards that align with your holiday spending. This strategy can allow you to earn money while staying within your budget.

8. Avoid Unnecessary Commitments  

The holiday season is filled with various events and commitments, but not all of them are essential. 

Be selective about the events you agree to attend to avoid overspending.

Example: You carefully evaluate your holiday commitments, choosing only the most important events and parties to attend. This helps you save money on additional expenses.

9. If You’re Shopping For Kids, Don’t Feel The Need To Spend A Lot

Children often find joy in the simplest of gifts. 

You don’t need to break the bank to make their holiday season magical. 

Example: You choose thoughtful, budget-friendly gifts for the kids, such as a DIY craft kit, a personalized storybook, or a board game. These thoughtful presents bring smiles without straining your budget.

10. Avoid Paying With A Credit Card  

Paying with cash or a debit card can help you stay within your budget. 

Credit cards can lead to overspending due to their allure of available credit.

Example: You use a debit card for your holiday purchases. By doing so, you make transactions only with the money you have available, ensuring you won’t accumulate unexpected credit card debt.

Pro Tip: Implement the envelope method for budgeting. Allocate specific amounts of cash to different spending categories and stick to the cash limit in each envelope.

11. Try Quick And Thoughtful List Of Gift Ideas

Creating a list of quick, thoughtful, and budget-friendly gift ideas can streamline your holiday shopping and help you save both time and money.

Example: Your list includes items like personalized ornaments, handwritten letters, or homemade treats. These gifts are not only thoughtful but also budget-friendly.

Pro Tip: A quick and thoughtful list serves as your go-to resource for finding heartfelt gifts. It simplifies your holiday shopping, ensures that your gifts are meaningful, and helps you stay within your budget.

By implementing these budget-friendly strategies, you can enjoy a meaningful and joyful holiday season without the stress of overspending. 

Planning, prioritizing, and leveraging savings opportunities will allow you to make the most of your budget while celebrating the spirit of giving.

Some Alternatives To Buying Gifts For Christmas

Sometimes, the best gifts aren’t things you buy. Consider these alternatives:-

1. Experiences:

Instead of physical gifts, consider gifting experiences. 

Whether it’s cooking classes, concert tickets, or a spa day, experiences often create lasting memories.

Example: You give your best friend a cooking class, which you both attend together, making cherished memories.

2. Handmade Gifts:

If you’re not particularly crafty, don’t worry. You don’t need to be an expert to make thoughtful gifts. 

Simple projects like a photo collage or a personalized, hand-painted mug can be just as special.

Example: You create a personalized, hand-painted mug for your co-worker, adding a personal touch to their morning coffee.

3. Secret Santa:

Suggest a Secret Santa gift exchange within your family or group of friends. 

This way, you’ll only need to buy one thoughtful gift instead of many, reducing the overall expense.

Expert Suggest: A Secret Santa gift exchange is a fantastic way to keep the joy of gift-giving alive while keeping the budget in check.

Example: In your family, you decide to draw names and buy a special gift for the family member whose name you pick.


The holiday season is about love, laughter, and the warmth of family and friends, not the price tags on gifts. 

By following these simple steps and considering alternatives to traditional gifts, you can have a festive and joyful Christmas without emptying your wallet.

Remember, it’s not about how much you spend; it’s about the love and joy you share with your loved ones. 

Wishing you a wonderful and budget-friendly holiday season filled with smiles and cherished moments.


It’s a common challenge, but remember, a deal that doesn’t fit within your budget isn’t a real saving. Stay disciplined, and remind yourself of your financial goals.

Absolutely! You can use budgeting apps like Mint and You Need a Budget (YNAB) to keep track of your holiday spending and stay within your budget.

DIY gifts don’t have to be complicated. Start with simple projects like framed photos, homemade candles, or personalized recipe books. There are countless online tutorials to guide you.

Consider gifting reusable and sustainable products such as bamboo utensils, stainless steel straws, organic cotton tote bags, or even potted plants. These not only benefit the environment but also make thoughtful gifts.


Your Financial Success Starts Here


Actionable Tips and Freebies Delivered Straight to Your Inbox! Subscribe Now!

(By subscribing, you agree to our terms & conditions, privacy policy, and disclaimer.)

You May Also Like

Was this article helpful? We'd love to hear from you!

Notify of
Inline Feedbacks
View all comments


save 10000 in 26 weeks printable

Are you up for the challenge of saving $10,000 in 26 weeks?

save 10000 in 26 weeks printable

Are you up for the challenge of saving $10,000 in 26 weeks?

This printable tracker will guide you week by week to reach your goal of saving $10,000. Whether you’re planning a big purchase or building an emergency fund, this tracker will keep you on the right path.

(By subscribing, you agree to our terms & conditions, privacy policy, and disclaimer.)

check your email


Your Printable is en route!

Check your promotion, junk, and spam folders: Sometimes, our emails can end up in unexpected folders.


Team Penny Calling Penny!

(By subscribing, you agree to our terms & conditions, privacy policy, and disclaimer.)