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Five easy ways to save money this festive season

The festive season can bring all sorts of financial stress. But with these tips, we hope you can take the stress out of it and enjoy the precious time with your family. 

Many Brits are feeling the pinch from the rising cost of living, with essentials like fuel, groceries, and running the home on the rise.  This holiday season, you might be planning to tighten your belts and spend less on the festivities. Here’s some simple tips to help everyone:

1. Plan ahead and set a realistic spending limit 
Before diving into holiday shopping, set an overall spending limit that fits comfortably within your budget. Prioritise the essential expenses and allocate a realistic amount for gifts, food, and activities. Planning early helps prevent unexpected expenses from creeping in. 

Remember, gifts do not define this time. Something simple will still show you’ve been thinking of them. Handmade items, home-baked treats, or second-hand finds can be affordable yet thoughtful gifts. Try these:
•    Home baking
•    Homemade soaps
•    Scented candles
•    Jams, preserves and pickles
•    A mulled wine spice jar
•    Handmade jewellery

2. Create a gift list (and check it twice!) 
Make a list of everyone you’re buying for, and set a spending limit per person. Knowing exactly who and what you’re buying for keeps you organised and helps prevent impulse buys or last-minute additions that can break your budget.

3. Head online for discounts & take advantage of cashback and discount apps 
If you've got your heart set on a gift for someone, running to the nearest shop and buying it might not be the best idea. Instead, consider jumping online and comparing prices from several different sellers.

Prices vary considerably between shops, and spending five minutes researching online could save you hundreds. With nearly all consumers looking for the best deals, cashback and discount apps can help you get more value from your purchases. Look for apps or websites that offer cashback, coupon codes, or discounts on popular retailers to stretch your dollars further.

4. Shop for holiday groceries in stages 
Holiday meals can be costly, especially if you buy everything at once. Instead, plan ahead and pick up non-perishables on sale throughout December. This spreads the cost and can help reduce your overall grocery budget.

5. Switch to Secret Santa
Gifting for friends and families is expensive, especially for those with large families. But Secret Santa can help everyone save money.

If you're unfamiliar with Secret Santa, it's easy – simply put your family's names in a hat, then have each member pick a name randomly (without telling anyone whose name they get). They only need to buy a gift for the person whose name they drew. Remember to agree on a budget beforehand so that everyone spends the same amount on each other.

Make this festive season one to remember for happy memories, spending time with family, eating home-cooked food. And don’t forget, we are here if you need help saving money on your insurance or mortgage.

Happy Holidays from Fairview Financial!
 

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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

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