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20 Easy Ways For Busy Moms To Save Money For Christmas That Will Become Habits

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Are you a busy mom looking for ways to save money for Christmas without adding more stress to your already busy schedule? Look no further! We have compiled a list of over 20 easy ways to save money and have a magical holiday season.

Why saving money for Christmas is important for busy moms

As a busy mom, you already have a lot on your plate. The holiday season can add even more pressure to your already hectic schedule. That's why it's important to save money for Christmas. Here's why:

  1. Reduce financial stress: The holiday season can be expensive, but saving money in advance can avoid the stress of accumulating credit card debt or scrambling to find last-minute gifts.
  2. Set a budget: Saving money allows you to set a budget for your holiday expenses. This way, you can plan and prioritize what's most important to you and your family.
  3. Teach your children about money: By saving money for Christmas, you can teach your children valuable lessons about budgeting, planning, and making smart financial decisions.
  4. Enjoy guilt-free celebrations: Saving money gives you the freedom to enjoy the holiday season without the guilt of overspending. You can focus on creating meaningful memories with your family instead.

Now that you understand the importance of saving money for Christmas let's dive into 20 easy ways for busy moms to save money. From DIY decorations to simple budgeting tips, you'll find plenty of ideas to help you have a joyful and affordable Christmas season.

Savings Strategies for Busy Moms

Being a busy mom doesn't mean you can't save money during the Christmas season. With a little planning and smart decision-making, you can still enjoy the holidays without overspending. Here are ways for busy moms to save money for Christmas.

1. Create a budget plan

Start by setting a budget for your Christmas expenses. Determine how much you can afford to spend and allocate amounts for gifts, decorations, food, and other holiday-related items. Stick to your budget and avoid impulse buying.

2. Take advantage of online deals and discounts

Shop online for gifts and take advantage of the many deals and discounts available. Compare prices and look for coupons and promo codes before making a purchase. Subscribe to newsletters or follow your favorite stores on social media to stay updated on exclusive deals.

3. Make homemade gifts

Get creative and make homemade gifts for your loved ones. Not only are they more personal, but they also cost less than store-bought items. Consider baking cookies, making personalized photo albums, or creating handmade crafts.

4. Use cashback and rebate apps

Download cashback and rebate apps to earn money back on your purchases. Scan receipts or make online purchases through these apps to get cashback or earn points that can be redeemed for gift cards or other rewards.

5. Shop off-season

Buy Christmas decorations, wrapping paper, and other holiday-related items during the off-season when they are on sale. Stock up on discounted items and save them for the next year.

6. Plan potluck gatherings

Instead of shouldering all the expenses for holiday meals, plan potluck gatherings where everyone contributes a dish. This not only saves money but also reduces the workload for busy moms.

7. DIY decorations

Decorate your home on a budget by making your own decorations. Use materials you already have or repurpose items to create festive ornaments and centerpieces.

8. Shop secondhand

Check out thrift stores, consignment shops, and online marketplaces for gently used gifts and decorations. You can find unique items at a fraction of the cost.

9. Opt for free activities

Ditch expensive activities and opt for free or low-cost options like neighborhood light displays, Christmas movie nights at home, or DIY crafts with your kids.

10. Set a limit on gift exchanges

If you have a large family or circle of friends, set a limit on gift exchanges to save money. Consider doing a Secret Santa where everyone buys just one meaningful gift.

Remember, saving money for Christmas doesn't mean sacrificing the joy and spirit of the season. By following these strategies, busy moms can enjoy a memorable holiday without breaking the bank. 

Saving on Gifts

1. DIY gifts

Moms can save money by getting creative and making their own gifts. Handmade gifts not only show thoughtfulness, but they can also be more affordable than store-bought items. Consider making personalized photo albums, knitted scarves, or homemade candles.

2. Secret Santa or gift exchanges

Suggest organizing a Secret Santa or gift exchange with family and friends. This way, everyone only needs to buy one gift instead of multiple presents. Set a budget for the gift exchange to keep costs in check.

3. Shop sales and use coupons

Keep an eye out for sales and discounts when shopping for gifts. Many stores offer special promotions during the holiday season. Additionally, look for coupons and promo codes that can be used to save money on purchases.

4. Utilize reward programs and cashback apps

Take advantage of reward programs and cashback apps to earn savings and rewards when shopping. Sign up for loyalty programs at your favorite stores and earn points that can be redeemed for discounts or freebies. Use cashback apps like Rakuten or Ibotta to get money back on purchases.

5. Consider experiential gifts

Instead of giving physical gifts, consider experiential gifts that create memories. Plan a family outing, a cooking class, or a spa day. These can be more meaningful and often cost less than buying material presents.

Using these money-saving tips, busy moms can make the most of their holiday season without breaking the bank. Whether through DIY gifts, gift exchanges, or taking advantage of discounts, there are plenty of ways to save money while spreading holiday cheer. 

Cutting Back on Holiday Expenses

Being a busy mom during the holiday season can be overwhelming, both in terms of time and money. However, there are several easy ways to save money without sacrificing the joy and spirit of Christmas.

1. Plan a potluck holiday meal

Instead of shouldering the entire burden of preparing a holiday feast, consider organizing a potluck where family and friends can contribute their favorite dishes. This not only saves you money on groceries and cooking supplies but also allows everyone to showcase their culinary skills and share a special dish.

2. Limit decorations and focus on meaningful traditions

Rather than spending a fortune on fancy decorations, prioritize meaningful holiday traditions that bring joy and connection. This could include baking cookies together, watching classic Christmas movies, or volunteering as a family. Emphasizing quality time and shared experiences can create lasting memories without breaking the bank.

3. Set a budget and stick to it

Before heading out for holiday shopping, establish a budget for gifts, decorations, and other expenses. Having a clear spending limit helps prevent overspending and allows you to focus on finding meaningful, affordable gifts for loved ones.

4. Explore DIY gifts and decorations

Tap into your creative side and make personalized gifts and decorations. Homemade presents and crafts not only show thoughtfulness and love but can also be cost-effective. Consider crafting homemade ornaments candles, or putting together themed gift baskets.

5. Take advantage of online deals and sales

Shop smart by keeping an eye on online deals and sales. Many retailers offer discounts and promotions during the holiday season, so take advantage of these opportunities to save money on gifts, decorations, and other essentials.

6. Make a shopping list

Avoid impulse purchases by creating a shopping list before hitting the stores or browsing online. This helps you stay focused and prevents unnecessary expenses on items that you don't really need.

7. Use discount codes and coupons

Before finalizing any online purchase, search for discount codes or coupons that can help lower the cost. Websites such as RetailMeNot or Honey can provide you with various promotional codes to apply at checkout.

8. Consider second-hand or thrift store finds

Explore thrift stores or online marketplaces for gently used decorations, clothing, and even gifts. You'll be surprised by the unique and affordable treasures you can find while reducing waste and supporting sustainability.

9. Make your own holiday cards

Rather than purchasing expensive pre-made holiday cards, unleash your creativity and design your own. Handmade cards add a personal touch and can be a fun family activity.

10. Host a gift exchange

Instead of buying individual gifts for every person in your extended family or group of friends, organize a gift exchange. This way, everyone only has to buy one gift, making it more budget-friendly for all participants.

By following these simple tips, busy moms can save money during the holiday season without compromising on the joy and meaning of Christmas. 

Saving on Holiday Travel

With the holiday season fast approaching, busy moms are looking for ways to save money and still create a magical Christmas for their families. One area where significant savings can be found is holiday travel. Here are 20 easy ways for busy moms to save money on Christmas travel.

1. Book in advance and search for the best deals

By booking your flights, trains, or buses in advance, you can often save a significant amount of money. Take the time to search for the best deals and compare prices on different websites or apps.

2. Consider alternative modes of transportation

Instead of flying or driving long distances, consider alternative modes of transportation like buses or trains. They can be cheaper and allow you to relax and enjoy the journey.

3. Pack light

Avoid extra baggage fees by packing light. Bring only the essentials and consider doing laundry during your trip if necessary.

4. Use travel rewards and loyalty programs

If you have accumulated travel rewards or belong to loyalty programs, now is the time to use them. Take advantage of any perks or discounts they offer.

5. Stay with family or friends

If possible, consider staying with family or friends instead of booking a hotel. It not only saves money but also adds to the festive atmosphere.

6. Explore budget-friendly accommodations

If staying with family or friends is not an option, explore budget-friendly accommodations like hostels or vacation rentals. They can often be more affordable than traditional hotels.

7. Pack snacks and drinks

Avoid expensive airport or roadside snacks by packing your own. Bring snacks and drinks for the journey to save money.

8. Take advantage of free activities

Research free activities and attractions at your destination. Many cities offer free holiday events or attractions for the whole family.

9. Use public transportation

Instead of relying on expensive taxis or rental cars, use public transportation to get around. It is often cheaper and allows you to experience the local culture.

10. Plan meals in advance

Plan meals and pack snacks if possible. Eating out every meal can quickly add up, so consider preparing some meals yourself to save money.

11. Look for discounts and coupons

Search for discounts and coupons for restaurants, attractions, and activities at your destination. Many websites and apps offer exclusive deals for travelers.

12. Shop for souvenirs strategically

If you plan to buy souvenirs, shop strategically. Look for local markets or shops that offer unique, affordable options instead of touristy stores with inflated prices.

13. Avoid peak travel dates

Traveling during peak periods can be more expensive. If possible, try to avoid peak travel dates and opt for less popular times.

14. Share expenses with other families

If you are traveling with other families, consider sharing expenses like meals or accommodations. Splitting the cost can save everyone money.

15. Take advantage of online deals

Search for online deals and discounts specifically for holiday travelers. Airlines, hotels, and travel agencies often offer special promotions during this time.

16. Use cashback apps

Cashback apps can help you save money on everything from travel expenses to holiday shopping. Install a cashback app and take advantage of the savings.

17. Stay flexible with your travel dates

If possible, stay flexible with your travel dates. Being open to different departure and return dates can sometimes lead to significant savings.

18. Consider house-sitting or pet-sitting

Use platforms that connect homeowners with house-sitters or pet-sitters. Not only can you save money on accommodations, but you may also have the opportunity to care for adorable pets.

19. Pack your own entertainment

Instead of relying on expensive in-flight or in-car entertainment options, pack your own. Bring books, movies, or games to keep your family entertained during the journey.

20. Research local holiday deals

Once you arrive at your destination, research local holiday deals and promotions. Many businesses offer special discounts or packages during the holiday season.

By implementing these 20 easy ways to save money on Christmas travel, busy moms can enjoy a memorable holiday without breaking the bank. 

Saving on Holiday Events and Activities

The holiday season can be an expensive time for everyone, especially for busy moms trying to make the most of the festivities while staying within budget. Here are some easy ways for busy moms to save money for Christmas so that they can enjoy the holiday season without breaking the bank.

1. Look for free or low-cost festive events

You can take advantage of many free or affordable events during the holiday season. Look for local parades, tree-lighting ceremonies, community concerts, and festivals that offer entertainment without costing a fortune. Check your local community center, library, or town website for a list of upcoming events.

2. Utilize coupons and promotions for family outings

Before heading out for any family outings, take the time to do some research and look for coupons or promotions that you can use to save money. Many attractions, such as zoos, amusement parks, and museums, offer discounted tickets or special deals during the holiday season. Websites like Groupon or LivingSocial are also great resources for finding discounts on various activities.

3. DIY decorations and gifts

Instead of buying costly decorations and gifts, get creative and make them yourself. DIY crafts and decorations can be a fun activity for the whole family, and it also helps to save money. Make homemade ornaments, wreaths, and other festive decorations, or create personalized gifts that are both meaningful and affordable.

4. Set a budget and stick to it

One of the most important ways to save money during the holiday season is to set a budget and stick to it. Plan ahead and decide how much you can realistically spend on gifts, food, and other holiday expenses. Avoid impulse buying and keep track of your spending to ensure that you stay within your budget. 

Making the Most of Loyalty Programs and Rewards

Being a busy mom doesn't mean you can't save money for Christmas. In fact, there are plenty of easy ways to stretch your budget and make the most of your hard-earned dollars. One of the most effective strategies is to take advantage of loyalty programs and rewards. Here are 20 simple ways to save money for Christmas:

1. Sign up for loyalty programs for extra savings

Many retailers offer loyalty programs that provide exclusive discounts, coupons, and rewards to members. Sign up for these programs at your favorite stores to save money on your holiday shopping. You can even earn points or cash back on your purchases, which can be used towards future purchases.

2. Use cashback or reward apps while shopping

There are several cashback and reward apps available that allow you to earn money or gift cards for your everyday purchases. Simply download these apps on your smartphone, link them to your accounts, and start earning cash back or gift cards for your holiday shopping. Some popular apps include Ibotta, Rakuten, and Swagbucks.

3. Take advantage of credit card rewards

If you use credit cards for your purchases, make sure to choose cards that offer rewards or cashback. This way, you can earn points or cash back on your holiday shopping and use them towards future purchases or even towards your Christmas gifts.

4. Shop during sales and use coupons

Keep an eye out for sales and discounts while shopping for Christmas gifts. Many retailers offer special promotions and coupons during the holiday season. Take advantage of these discounts to save money and get the best deals on your purchases.

5. Buy in bulk and split the cost

Consider buying certain items in bulk with other moms to save money. By splitting the cost, you can stock up on essentials and save money at the same time.

6. DIY gifts and decorations

Get creative and make your own gifts and decorations. Homemade gifts and decorations not only save you money but also add a personal touch to your holiday celebrations.

7. Set a budget and stick to it

Create a Christmas budget and stick to it. Set limits for gift spending, food expenses, and other holiday-related costs. This will help you stay on track and avoid overspending.

8. Plan potluck dinners

Instead of shouldering the entire cost of hosting a holiday dinner, consider planning a potluck. Ask your guests to bring their favorite dishes, desserts, or drinks to share. This way, you can save money on food expenses and enjoy a wide variety of delicious dishes.

9. Use free or low-cost activities for entertainment

Instead of spending money on expensive outings, look for free or low-cost activities for entertainment. Visit local parks, organize game nights at home, or enjoy a movie night with your family. These activities can be just as enjoyable and save you money at the same time.

10. Shop off-season for decorations and wrapping supplies

Take advantage of off-season sales to buy Christmas decorations and wrapping supplies at discounted prices. Wait until after the holiday season to stock up on items for the following year.

By implementing these ten easy ways, you can save money for Christmas while juggling your busy mom's responsibilities. Remember, every little bit of savings counts, and with a little planning and creativity, you can make the holiday season magical without breaking the bank.

Meal Planning and Grocery Savings

1. Plan meals in advance and shop smartly

For busy moms looking to save money for Christmas, meal planning can be a game-changer. By planning your meals in advance, you can make a detailed grocery list and avoid impulse buying. Take some time each week to research recipes, create a meal plan, and write down the ingredients you need. This will not only save you money but also make shopping more efficient and reduce food waste.

2. Use coupons and take advantage of sales

Another great way for busy moms to save money during the Christmas season is by using coupons and taking advantage of sales. Spend some time each week looking for coupons in newspapers, magazines, or online coupon websites. Many grocery stores also have loyalty programs that offer discounts and promotions. Keep an eye out for sales and stock up on items that you regularly use when they are on discount. This will help you save money in the long run.

3. Buy in bulk

Buying in bulk can be a money-saving strategy for busy moms preparing for Christmas. Items such as dry goods, canned goods, and paper products can often be purchased in larger quantities at a lower unit cost. Consider joining a warehouse club or buying from bulk stores to take advantage of wholesale prices. Just make sure to carefully consider perishable items and buy only what you can use before they expire.

4. Cook at home and pack lunches

One of the easiest ways for busy moms to save money is by cooking at home and packing lunches. Eating out or ordering takeout can quickly add up and drain your wallet. You can save a significant amount of money by cooking meals at home and packing lunches for yourself and your family. Plus, you have more control over the ingredients and portion sizes, which can contribute to a healthier lifestyle. 

Saving on Wrapping and Packaging

Christmas is a magical time, and as a busy mom, you want to ensure that your family has a memorable holiday season without breaking the bank. One area where you can save money is on wrapping and packaging. Here are 20 easy ways for busy moms to save money on Christmas wrapping and packaging.

1. Reuse gift bags and boxes

Instead of buying new gift bags and boxes every year, save the ones you receive and reuse them. You can simply remove previous name tags or cover them up with new ones. This saves money and reduces waste.

2. Get creative with wrapping materials

Think outside the box and find alternative wrapping materials in your home. Old newspapers, magazines, or even brown paper bags can be transformed into unique wrapping paper with some creativity. You can also use fabric scraps, scarves, or tea towels to wrap gifts. Not only will this save you money, but it will also add a personal touch to your presents.

By following these two simple tips, you can save money on Christmas wrapping and packaging without sacrificing the joy and excitement of gift-giving. Remember, it's the thought that counts, and with a little creativity, you can make your presents look beautiful while staying within your budget.

Here's a table summarizing the tips for saving on wrapping and packaging:

Reuse gift bags and boxesSave the gift bags and boxes you receive to reuse them for future presents. Remove previous name tags or cover them up with new ones. This saves money and reduces waste.
Get creative with wrapping materialsInstead of buying expensive wrapping paper, use alternative materials such as old newspapers, magazines, brown paper bags, fabric scraps, scarves, or tea towels. Not only will this save you money, but it will also add a personal touch to your gifts.


For busy moms, finding ways to save money during the holiday season is essential. By implementing these 20 easy tips, moms can ensure a memorable and affordable Christmas for their families.

Putting these money-saving tips into action for a memorable and affordable Christmas

  1. Create a budget: Set a spending limit and prioritize essential expenses.
  2. Plan meals in advance: Reduce food waste and save money on grocery bills.
  3. Do DIY decorations: Get creative and make your own ornaments and garlands.
  4. Opt for homemade gifts: Show your love by gifting personalized presents.
  5. Shop early: Take advantage of early bird discounts and avoid the holiday rush.
  6. Make use of coupons: Cut out and use coupons for extra savings.
  7. Shop sales and clearance: Look for discounts and clearance items for the best deals.
  8. Buy in bulk: Purchase items in bulk to save money in the long run.
  9. Gift exchanges: Suggest a gift exchange with friends or family to reduce costs.
  10. Consider homemade treats: Bake cookies or make other homemade treats as gifts.
  11. Use cashback apps and websites: Earn money back on purchases through cashback apps and websites.
  12. Limit travel expenses: Explore nearby destinations instead of going far.
  13. Plan family activities at home: Enjoy quality time with loved ones without spending a lot.
  14. Shop for gifts throughout the year: Take advantage of sales and discounts outside of the holiday season.
  15. Comparison shop online: Find the best prices and deals by comparing prices online.
  16. Rent or borrow items: Instead of buying, consider renting or borrowing items for a short period.
  17. Regift unused items: Share unused gifts with others to save money on new purchases.
  18. Host a potluck dinner: Share the cooking responsibilities and cut down on costs.
  19. Create a homemade advent calendar: Use household materials to make a creative and cost-effective advent calendar.
  20. Keep gift wrapping simple: Use plain brown paper or repurpose old wrapping paper to save money.

With these money-saving tips, busy moms can enjoy a festive and budget-friendly Christmas celebration with their families. 

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  1. Great tips! I have been thinking about Christmas lately too. I like to plan well-ahead so I don’t have to rush around later. -Kayla

    1. Last year we did good with planning ahead I want a repeat of last year. I think we are doing pretty good with saving. Planning is key Kayla! 😀

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