Christmas On A Budget

by Ryan Yates

This will be the last time I mention Christmas On A Budget until next year.  Throughout this year I been writing tips on how to save money for Christmas and avoid the nasty New Year’s Christmas Debt Hangover.

Here are the other articles I’ve written this year about saving for Christmas.  They offer some simple advice to achieving your spending goals.

If you have not started to budget or saved for Christmas by now, you are in crisis mode.  You need to figure out how much money you are going to spend for the holidays this year and then divide that number by the number of paychecks left until Christmas.  The number will probably be somewhat high because there are only a few payday’s left.

If you are serious about not having Christmas debt then you NEED to act now.  Remember, if you don’t get moving now you will have to pay the piper come next January.  The choice is yours, take the action required to win our war on Christmas Debt.

Don’t believe me that Christmas is coming up FAST, here is the Christmas Clock.  Tick Tock Tick Tock do let debt come knock.  Don’t forget to use online coupons, they’ll save you a ton.

These are a few other great Christmas related articles you can check out too; homemade Christmas gifts and great gift ideas


Que October 8, 2010 at

I think the Christmas 2010 On a Budget Link is broken.

Jeffrey Kosola October 8, 2010 at

Thansk Que, it’s fixed 🙂

Everyday Tips October 8, 2010 at

Kohl’s has had it’s Christmas decorations up for a few weeks now, so yes, Christmas is coming. (Although next year the trees might go on display right after Easter.)

My Christmas saving is done almost for me. My American Express Blue Cash card rewards are given to me in December. They take whatever the reward amount is right off my bill. That usually covers my Christmas shopping.

Also, I save my change all year long and cash it at coin star right around Thanksgiving. I get an Amazon gift card in exchange (they don’t charge a service fee for a gift card) and I use that money to pay for present that I buy on Amazon and sent to family members out of town.

Jeffrey Kosola October 11, 2010 at

@Everyday Tips I like the way you save for Christmas, sounds like it works awesome. I think I’ll have to use the “save the change” idea for a post after this Christmas, that’s an AWESOME way to make use of your change. Avoiding the fees with the gift card is brilliant!!

Cathie October 8, 2010 at

It’s Christmas all year over here. My extended family picks a pollyanna name @ our Christmas get-together each year for the next Christmas, so we can keep that person in mind all year long. I’ve been buying presents for my son throughout the year, taking advantage of sales on things I know he’d like, and that might be in short supply at Christmas time (and hardly ever at discounted prices in the holiday season.) For instance, right now, Toys R Us has Legos @ 30% off. When I pick up that Star Wars Lego set, I can call it a day as far as he’s concerned.

Jeffrey Kosola October 11, 2010 at

@Cathie I’ve been doing the same with my kids, buying all year long. I did just see that Legos where 30% off too, my son loves them. Using our savings methods allows us to have bits of money throughout the year to purchase early gifts, that’s why I love it so much.

Nate October 8, 2010 at


I think it’s smart to remind others about saving for Christmas. Too often it can sneak up on us, but it is one of those things we can prepare and save for.

Even if people start saving now, they can save themselves from burdensome debt.


Jeffrey Kosola October 11, 2010 at

@Nate Your right Nate, it’s never too late to start saving. To all the others reading this comment, check out Nate’s spreadsheet located through his post, the link is at the bottom of his comment, simply awesome.

Kay Lynn @ Bucksome Boomer October 8, 2010 at

The Christmas Clock told me it’s on 77 sleeps away! Fortunately, I read your articles last year and have been stashing away money all year for the my holiday shopping.

Thanks for the reminder.

Jeffrey Kosola October 11, 2010 at

@Kay Lynn, That’s great you’ve been stashing. Now you can go spend that hard earned money on other people 🙂

Amanda L Grossman October 10, 2010 at

Hello Jeff!

Great job bringing up the ticking clock. I shop all year round and find great deals this way, and I think the mentality is to wait until end of November and December to start shopping. Boy will you save a lot of money by shopping year round!

Jeffrey Kosola October 11, 2010 at

@Amanda Great job on the 365 day shopping year. I love it too. I think the best part about shopping early is missing all the crowds at the mall, what a waste of time that can be.

Andrew @ Money Crashers October 10, 2010 at

I couldn’t agree more. The most important thing to make Christmas go as smoothly as possible is to start as early as possible. Not only will it safe you a ton of money since you can look for the best deals throughout the year and not pay a ton for last minute shipping handling, but it will also be wayyyy less stressful to not be panicking at the last minute and to just pick things out as you see them. Make a list of the people you’re getting gifts for and just look for them throughout the year.

Jeffrey Kosola October 11, 2010 at

@Andrew Making the list early is a great way to shop early. My wife and I keep the lists in Evernote so it’s only a touch away on our smart phones.

Andrew @ Money Crashers October 11, 2010 at

Cool. I”ll have to check out Evernote, sounds like a pretty convenient one.

david@plasticbags October 15, 2010 at

Start your Christmas shopping early when everythings on sale! Thats the key!

couponboa October 26, 2010 at

The key to budget shopping includes diligent planning, framing a budget and respect that figure.

Best Regards,

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