Christmas on a Budget

How to have a cracking Christmas on a budget

Christmas 2020 will be like no other…

“Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough”

Oprah Winfrey

If you follow the wonderful ‘Organised Christmas‘ over at Team TOMM you will be four weeks into your Christmas planning already and starting to organise your budgets and make your food and gift lists. This in itself can overwhelming as we start to think about what to buy, how to pay for it, and my least favourite of all – where to put it all afterwards.

We are a family with many Christmas birthdays which also adds extra financial and ‘thinking’ pressure as I struggle to remember all of the occasions and budget for everything.

The fundamental principle of Christmas planning is to have a budget and stick to it! This is closely followed by not going into debt.

Before you start to work through each of the sections below set your total budget. If you are struggling to decide think about how much you can afford Christmas to cost you? Make sure you include the cost of Christmas Food, Gifts for Children, Gifts for Adults, and all of the extra things like decorations, cards, and paper.

Once you have set your total budget, divide it between the categories below. There is no right or wrong answer for this, every family will have different priorities and have different traditions they follow. In our family the majority of the budget is spent on gifts for our children and our nieces and nephew.


Photo by Jonathan Meyer on

From baking, party food and Christmas Dinner budgeting, its all covered here.


Photo by Josh Willink on

Gift giving can consume a huge chunk of your budget. Read our helpful guides on how to save money on gifts for all ages.


Photo by Andrea Piacquadio on

A perfectly decorated home doesn’t need to cost a fortune. Think outside the box and get decorating on a budget.


The Mums Guide to Money is a blog dedicated to all things money, just for Mums.


Hi, I’m Sharlene. A qualified accountant, IT consultant and Mum of three. I started to write this blog as I see lots of new Mums on social media not knowing where to start with their finances. My goal is to be a one stop shop for all things family finance and hopefully have some fun along the way.