KIS Bridging Loans
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  1. The Crackers

    Save the £5-£10 you would spend on a box of Christmas crackers by making your own! Collect the cardboard cylinders from toilet rolls in advance. All you need is paper to make the hats, scissors, paper/tissue paper, something to put in the crackers (you could make sweets/chocolates) some glue and glitter to decorate.

  2. Homemade Gifts

    Save money buying presents where possible by making them instead! Edible presents are always gratefully received - Make biscuits, save up jars to make jam as gifts, peppermint cream sweets need only a few ingredients to make. Check out the Christmas cake and biscuit tins in B&M. Other easy to make presents – make a batch of candles and a batch of bath bombs and pair these up to create relaxing little bath sets. Look online for other ideas of things to make and for help, look on YouTube for tutorial videos.

  3. Greeting Cards

    Make your own cards, wrapping paper and gift bags! Save up pieces of ribbon, card, sequins, paper etc to do this. Alternatively, you may prefer to tell all friends and family in advance that you have decided not to send Christmas cards this year so they don’t feel obliged to send you one – maybe if you can afford it you could donate some of the money you would usually spend on cards to a charity instead. I did this one year as I was moving house over the Christmas period and it saved me time and I had nowhere to display cards anyway.

  4. Price Match

    When out Christmas shopping – find out if the shop price matches. Toys r us will do this – check the price of what you’re buying online on your phone whilst in the store and if it is cheaper elsewhere (quite often on amazon) and the item is in stock, go over and pay on the customer services till and show them the item on your phone. You can then purchase it at the cheaper price.

  5. Pound Shops

    For children – try looking in the Poundshop for little toys/arts and crafts things/ fun bath items to use as stocking fillers. Poundshop even has a website which offers free postage if you spend over £35! The Works is a cheap place to buy books too which helps fill a stocking on a budget. Tiger is a good shop for buying cheap games and other fun items too.

  6. Boxing Day Sales

    Buy presents for people you won’t see Christmas day in the sales on Boxing day. So much cheaper if you can cope with the chaos!

  7. eBay Clearout

    Have a clear out of things you don’t need and sell it on eBay. You can use the money you receive to help with Christmas shopping and (particularly if you have kids) the space you make by de-cluttering will help when it comes to putting things away again after Christmas.

  8. The Turkey

    Consider buying a chicken instead of Turkey – it’s cheaper and some people prefer chicken anyway.

  9. The Decorations

    Make Christmas decorations instead of buying – delegate this job to young family members!

  10. Nearly New

    Have a look for things you may want to buy as presents on eBay. You can pick up things even with tags still on much cheaper.


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