Don’t rack up Christmas debt. Buying the right thing each month can help you save money and have a debt-free Christmas with less stress.
Do you end the holiday season feeling stressed about the amount of money you spent? Or rush to save money at the last minute so you could afford everything you needed?
A large number of people go into debt each holiday season. 44% of US shoppers racked up more than $1,000 in holiday debt. That’s not a small amount of debt.
When I surveyed my readers less than half regularly create a Christmas budget and yet money was one of the most common stresses people listed.
A Christmas budget can really help make sure you stay on track. I recommend creating one at the start of the year so you can budget for Christmas all year.
Saving money every month can really help you not feel so stressed when Christmas comes around again. You can also shop smart all year to save money on the things you want to buy as well. Plus shopping for Christmas throughout the year can reduce that last-minute shopping stress.
Every month there are different items that often go on sale, knowing this information can help you save on the items on your Christmas shopping list.
I’ve collected this information for you and divided it by months to help you know what to buy. This would be great information to add to your Christmas planner on your shopping list, that way you know when to buy those items.
What to Buy Every Month to Save Money
Go to each month to see more details on what you should be buying. You can bookmark this page and check back each month or go ahead and add the information to your Christmas planner.
- January– Snacks, healthy food, oatmeal, Christmas decor, cold and flu medicine, winter clothing, linens, and furniture. Don’t forget Christmas tree sales.
- February– Candy, Valentine’s Day decor, gift wrap, canned food, gift sets, home decor, candles, organization products, and winter gear.
- March– Frozen food, candy, winter clearance, Easter decor, St. Patrick’s Day decor, basketball gear, gift cards, and luggage.
- April– Candy, baking supplies, eco-friendly products, and cleaning supplies.
- May– Gift sets, spring produce, jewelry, small gifts, paper products, and sunscreen. This is also prime garage sale time.
- June– Dairy, small appliances, gym memberships, lots of summer produce, and summer gear.
- July– BBQ supplies, school supplies, sunscreen, frozen meat, beach supplies, and don’t forget Christmas in July Christmas tree sales.
- August– Cleaning supplies, school supplies, home decor, organization tools, and summer supplies.
- September– School supplies, coffee, apples and pears, canned soup, and watch for Labor Day sales.
- October– Candy, baking supplies, seafood, pet supplies, and fall and winter produce.
- November– Candy, baking supplies, canned vegetables, winter produce, and watch the Black Friday sales.
- December– Baking supplies, holiday food, Christmas decor, Christmas wrapping supplies, toys, small appliances, tools, clothing, and personal care items.
More Money-Saving Tips
If you want to boost your Christmas savings, even more, try out my 30-Day Money Saving Challenge. It’s never too late to do the challenge and it can help you save a lot more money than you’d think. It’s also a great way to pay off that holiday debt.