We use Cookies on this site:

If you want to find out more, see our Cookies Policy. Click anywhere in this area to hide this message.

National Debtline

Advice you can trust


We asked our colleagues to share their best thoughtful Christmas gift ideas and stories…here’s what they told us!


Let us know how you are #MakingChristmasCount on Twitter and Facebook

Our 12 Christmas money tips

Set your festive budget

Setting a festive budget is probably the single most useful step you can take to manage your Christmas spending – but only one in four of us do this! Make a list of who you need to buy presents for, set a budget for each and stick to it.  Plan ahead when it comes to your other shopping too, for example on food, decorations, and visiting family and friends.

Keep paying bills


Shop around for deals


Spread the cost


Resist borrowing more

It can be extremely tempting to borrow money to pay for Christmas costs, but as always with borrowing, you have consider whether you can afford to pay it back.  If you do decide to take out credit, check the terms and conditions and create a household budget to make sure the repayments won’t leave you in difficulty.


Keep a track of spending

We can all get carried away when shopping in December! The single biggest thing you can do to keep in control is to record what you spend.  Check it against your budget on a regular basis, and while it’s easier said than done, keeping a track of your spending can help you stick to the plan.

Just buy for kids

Get advice now


None of us really want to think about personal finances in the run up to Christmas, especially where debt problems are involved.  However if you are already worried about your debt, get advice now. Don’t wait until the New Year. The earlier you seek free advice, the sooner you can worry less about your money situation. 

Spend time, not just money

Plan your Christmas dinner

Christmas dinner can be a budget-breaker in itself.  To keep costs under control it’s crucial to plan ahead, shop around and make sure you aren’t left rushing around the supermarket shelves on Christmas Eve!  If a number of you are getting together for Christmas dinner, consider bringing a course each. It’s much less stress and a lot cheaper. 


Look out for free activities

Have a stress free Christmas!

Merry Christmas everyone!  We hope it is filled with love and laughter. If you need advice or support over the Christmas period you can get free debt advice 24 hours a day at www.nationaldebtline.org. In addition, the National Debtline phone lines are open until 1pm on Christmas eve and open again from 4th January – call us on 0808 808 4000.