With less than 8 days left, for those who still have holiday tasks to tackle, this blog offers quick, practical tips for managing last-minute shopping, decorating, and travel without overspending or stressing.

1. Gift giving 

Stick to the list

To avoid impulse buying which can get us all, list what you’re buying and stick to it. This simple tip has been estimated to save the average person over £400 monthly. 

Shop locally 

Many times people find better gifts in their local shops such as Charities. They offer a personalised approach in comparison to big chains, smaller local chains often cater to their community. 

Homemade gifts 

You probably know by now they are cheaper and often more meaningful as you have given them thought and care. There is also a wide selection of homemade gift ideas online – Unleash your creativity with homemade gifts and tutorials at the spruce crafts

Keep it simple 

Nowadays the gifts are extravagant and big. Similar to homemade gifts, Simple gifts such as experiences, favourite books and films hold more meaning to them. People forget that more than the gift it is the thought. 

2. Decorating

DIY Ornaments

Craft ornaments with materials you already have, like paper, ribbons, or recycled holiday cards. Kids can join in for a fun family activity!

Decorate with Candles

Use candles of varying heights and colours to add a cosy ambience. Place them in glass jars or lanterns for added charm.

3. Travelling

Pack light

If you plan on going away this season or after the new year, pack light and avoid the harsh luggage fees. 

Booking 

When booking, look out for those last-minute deals and offers, another tip is to consider travelling on off-peak days to save money. 

Prepare for Delays

Travel during the holidays can be unpredictable. Bring a book, download entertainment, or have a backup plan in case of delays.

Bundle and Save:

If you need accommodations, look for travel packages that combine lodging and transport. Many booking sites offer discounts for bundling.

4. Christmas Dinner 

Budget your ingredients

Set a spending limit and make a detailed shopping list. Check what you already have at home to avoid unnecessary purchases.

Buy it frozen

Not only do they last longer and are generally cheaper, additionally they also taste the same in most cases as fresh. 

In conclusion 

The holidays don’t have to be a financial burden. By making small adjustments and planning ahead (even if it’s last minute), you can enjoy the Christmas season without the stress of overspending. At Advance Credit Union, we’re here to support you in achieving your financial goals—whether that’s through savings or budgeting tips, or a holiday loan to ease financial pressure.

Remember, the best gifts don’t always come with a high price tag, and the most memorable moments are often those shared with loved ones.