Christmas is a time for fun, family and festivities, but many people also end up wondering where they'll find the cash to pay for Christmas.

If you do find yourself struggling, getting a personal loan from Places for People Financial Services could help to spread the cost of Christmas.

You can also follow our tips below for saving money at Christmas to help keep the costs under control.

1. Make a budget

List of everything you need to buy under headings, for example food, presents, decorations, and estimate the cost for each item. Calculate the total so you have a good idea of how much money you'll need to set aside and - this is the most important bit - try to stick to it. Avoiding unexpected costs will make it more manageable.

2. Shop around

If you know what you're looking for, it's worth checking a few of the main retailers to find the best deal. Internet shopping makes it easy to quickly compare prices and they can vary greatly from one retailer to the next. Look out for special discount days or vouchers which can bring the cost of Christmas shopping down even further.

3. Give cashback a go

Cashback websites offer money back on your online purchases. It's easy to register for an account and search for retailers offering cashback. You usually just need to click through the cashback site, which will record your visit, then shop as normal. Something to be aware of though - it can take a while for the money to reach your account so don't rely on it for Christmas spending.

4. Make your own Christmas gifts

Handmade, personal Christmas gifts can be just as well received as shop-bought Christmas gifts, if not more so. Try Pinterest for inspiration or invest in a cookery book and some themed cookie cutters and give edible gifts!

5. Send e-cards

The cost of Christmas cards and stamps can be unexpectedly high. Why not save time and money by sending ecards this year? Many sites allow you to add a personal message to your ecards too. Start requesting email addresses for your friends now, keep them all on a spreadsheet and all you'll need to do is hit send.


Next time you find yourself wondering 'how will I pay for Christmas', try to jot down some money saving ideas of your own. Remember, a small loan from Places for People Financial Services could be the ideal solution if you want to spread the cost. Applying is quick and easy and you could get a loan even if you have previously have had credit problems.

Apply now

99.9% APR representative. Credit will be offered subject to status. Your rate is fixed for the term of your agreement. Applicants are reminded not to commit any funds to expenditure until a loan decision is made.


Places for People Financial Services Limited is authorised and regulated by the Financial Conduct Authority with firm reference number 663756.


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