10 Practical Ways to Save Money This Christmas

Christmas is often wrapped in images of full tables, sparkling trees, and piles of gifts. But for thousands of people across the UK, the season looks very different -tight budgets, rising bills, and the worry of how to make the day feel special.

If you’re living on a low income, in temporary accommodation, or navigating homelessness, Christmas can feel heavy. But small, gentle moments can bring warmth. Soft lights. A warm drink. A handmade decoration. A shared laugh. These are the things that make Christmas real - not money.

Here are 10 low-cost ideas to help you create comfort and connection this season.

1. Set a Budget That Matches Your Reality

Start with what you truly can manage. It might be a few pounds or nothing at all and that’s okay. Picture yourself sitting somewhere quiet with a warm drink, writing down a figure that feels safe rather than stressful. This simple act can take pressure off your shoulders and help you focus on small, meaningful moments instead of expensive expectations.

2. Have Honest, Heartfelt Conversations

A gentle conversation can free everyone from financial pressure.

You might be sitting at a kitchen table, explaining that things are tough this year and suggesting no gifts or homemade ones instead. More often than not, the person across from you will nod with relief—they may be struggling too.

3. Keep Gifts Simple and Meaningful

Children remember the feeling of Christmas - the glow of fairy lights, the excitement of a story, the way you make the day warm. Imagine giving one thoughtful gift: a preloved toy, a small book, a homemade craft. One gift can still bring big smiles. It’s the atmosphere you create that stays with them.

4. Use Community Support Without Feeling Ashamed

At this time of year, community spirit shines brightest.

Trolleys filled with gently used presents, warm spaces offering hot drinks, and community hampers with festive treats -these exist because people care. Picture walking into a warm room, being greeted with kindness, and leaving with something that makes your Christmas a little easier. That’s what community is for.

5. Give Homemade Gifts With Heart

Homemade gifts carry a story.

Imagine baking biscuits and wrapping them in recycled paper with a bit of twine, or writing a letter filled with memories and hope. A playlist, a poem, a drawing, a jar filled with handwritten notes - these gifts feel personal, thoughtful, and often become keepsakes.

6. Reuse and Repurpose What You Have

Before spending money, open cupboards, drawers, and boxes you haven’t checked in months.

You might find last year’s baubles, an old gift bag, a roll of ribbon, or jars perfect for lanterns. A gift wrapped in newspaper with a sprig of greenery tucked under the string can look charming and rustic - proof that beauty doesn’t need to be expensive.

7. Choose Gentle, Low-Cost Social Plans

Christmas connection doesn’t require crowded restaurants or expensive outings.

Picture a warm living room with blankets piled up, a film playing softly, and mugs of tea or hot chocolate. Or imagine a slow evening walk through neighbourhood streets glowing with lights. These quiet, budget-free moments bring people closer than any outing ever could.

8. Keep Christmas Dinner Simple, Warm, and Comforting

A comforting meal can be small and still feel special.

Think of a roast chicken filling the home with savoury smells, vegetables roasting in the oven, or a slow-cooked stew bubbling gently. Frozen veg sizzling in a pan, warm gravy, soft bread. A potluck can turn a simple table into a shared feast, each person adding a little something.

9. Create a Warm, Homely Christmas With DIY Decorations

A homely Christmas doesn’t come from a shop, it comes from creativity and care.

Picture:

• Paper snowflakes taped to windows, catching the light.

• Jar lanterns glowing softly on a table.

• Strings of dried oranges filling the room with a gentle, citrus scent.

• Pinecones and branches arranged on a plate as a centrepiece.

• Old blankets on sofas, creating cosy, safe spaces.

Even the smallest touches can make a room feel warm and welcoming during the darkest months.

10. Build Low-Budget Traditions Filled With Meaning

Traditions give Christmas its heart—and many cost nothing at all.

Imagine:

• A “cosy hour” on Christmas Eve with soft lighting and warm drinks.

• Writing a yearly reflection letter and keeping them in a box to read back in years to come.

• Crafting a homemade ornament that tells the story of each year.

• A slow morning walk, breathing in the quiet, crisp air.

• A simple gratitude circle, sharing one thing you’re thankful for.

These traditions create a sense of continuity, especially for families facing housing instability or change.

You’re Not Alone This Christmas

Whether you’re struggling with housing, warmth, food, or money, our charity is here to support you.

If you need help this winter, please reach out - no one should face hardship alone. You deserve safety, dignity, and a Christmas touched by kindness.

Would you like to support others this Christmas?

Read about our Festive Falcon Christmas Campaign here: Falcon Support Services: Festive Falcon 2025 - Give the Gift of Home