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How to do Christmas without scrimping on the cheer

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The weather’s warming up, the shops are decorated and that sense of cheer is in the air. Of course, the kids are also squealing for the latest toy and soon it’ll be impossible to park at the shops… but overall we love Christmas and it’s just around the corner!

What we don’t love, though, is that financial headache that can hit us in January. It can be almost as bad as the mince pie withdrawals that also show up around the same time.

So we thought we’d share our team’s favourite ideas for having a jolly Christmas without spending the earth.

Presents without the debt tag

The wise thing to do is to save a little all year round so you have a nice nest egg to spend on Christmas presents. But things happen and that nest egg might not always be there when you need it. If you’re heading into the Christmas-zone without much of a buffer, try setting a budget among your friends and family for the kids’ presents. And set one for yourself too. Consider buying them one big present and then asking the family to pitch in for those smaller stocking fillers.

Another great idea is to do a Secret Santa for the adults in the family and among your friends. That way no one misses out, but you aren’t breaking the bank buying expensive gifts for everyone. Also, make sure you check in on any reward schemes you have – you might have points available that you could put toward presents!

To get ready for next year, why not put your Christmas savings away each week into our Qudos Qantas Points Saver account? You’ll earn interest as well as Qantas points which means you’ll be super organised for next Christmas!

Keep the kids occupied while being kind to the planet and your wallet? Yes please!

The joy of Christmas being in the middle of our long summer holidays means that it’s not the only thing that’s pulling at the purse strings at this time of year. We love these ideas for fun family activities that don’t cost the earth and give you the chance to teach your kids to be resourceful too.

Make your own gingerbread house

A great school holiday activity is to make your own gingerbread house with the family. The ingredients are inexpensive and there are great gingerbread house cookie cutter sets you can pick up for next to nothing. Plus, the kids will just love decorating and demolishing it in the lead up to the big day.

DIY advent calendar (and scavenger hunt!)

Some advent calendars these days are heading toward the $100+ mark! Save your hard-earned money and make your own. Buy a few multi-packs of chocolates or a few trinkets from a $2 shop. Then wrap each one and write the numbers one to 24 on top. Your kids will love unwrapping their little pressies each day on the countdown to Christmas. For an extra bit of fun, why not hide each one and send the kids on a scavenger hunt every morning?

Get creative with DIY wrapping paper

Between family, friends, kids and the kids’ friends, you’ll be wrapping a lot of presents. You can save a fair bit of money by making your own wrapping paper. Grab a roll of brown paper or some newspapers and set the kids to stamping on Christmas designs. You can make the designs yourself from sponges or even potatoes! You can also do away with the need for expensive cards or present labels by just writing the person’s name on the wrapping paper.

Donate your time to help others

This can be a great family activity that brings the message of Christmas home. Ask the kids to choose a few toys and books each that they no longer want and then look for a volunteering opportunity or to get involved in a charity that helps those in need.

Wishing you a joyful and safe holiday season filled with many memory making moments from all the team here at Qudos Bank.


  Important Information

Qudos Mutual Limited trading as Qudos Bank ABN 53 087 650 557, AFSL/Australian Credit Licence 238 305.


Article published December 2016