Christmas can be a difficult time if you’re struggling for money. You might be unsure if you can afford presents and celebrations this year.
It can help to know that you are not alone and that there are places to get support.
Talking about money is hard, especially if you already have stressful family relationships. Talk to friends and family if you can. Consider if there are ways to spread the cost between you.
If you don’t have anyone to talk to, you can:
You might think about ways you can save on things like:
Read ideas for celebrating Christmas with your family on a budget.
Consider your child’s age and what they understand before talking to them about money worries. You may want to tell them that you need to be careful with money at the moment but you can still celebrate.
Young children are often excited by any present. But as children get older, they might ask for specific things. In this case, it can help to be open with your children about how much you can afford.
If other people want to buy your child presents, make sure they know what your child is asking for. Giving vouchers or money towards a bigger item might mean your child can save up.
It’s not your fault that living costs are higher. If you need help, it’s OK to ask for it.
There are charities and local groups that provide specific support around Christmas. You could contact:
Make sure you’re getting the benefits and support you’re entitled to. Find out about financial support for children and families.
You can also read about saving money on food bills.
This advice was written by our experienced Parent Talk coaches. Parent Talk is a free online service for parents and carers, provided by the charity Action for Children. For more advice, message our parenting coaches with our online chat.
