Christmas on a family budget

With Halloween and Bonfire Night now a distant memory, it’s time to get ready for Christmas. The Healthy Investment team believe that there is no need to spend a fortune to enjoy a family Christmas – you can avoid being in debt in January by planning ahead with our helpful top tips.

Healthy Investment Tip 1

The first step is to write a list of everyone you need to buy a present for including a price limit for each gift. Create a spreadsheet so that you can keep track of who you have bought for and how much you have spent – this can also help you to stick to your budget.

Healthy Investment Tip 2

If you normally buy for the wider family and friends, suggest that you don’t buy for each other this year to avoid purchasing unnecessary or unwanted Christmas presents, which usually get put in a bottom drawer.

Healthy Investment Tip 3

Make a list of the food items you require and only buy what you need. Plan the meals you are going to be having and stock up on non-perishable essentials every week in the run up to Christmas, so that you spread the cost over a period of weeks.

Healthy Investment Tip 4

Shop smarter by looking out for voucher codes and flash sales online – this way you could save a fortune just by scouring the internet. If you have the time, shop at charity shops as you can usually pick up some decent gifts still in their boxes at a fraction of the price.

Healthy Investment Tip 5

Look out for those Black Friday deals. This year it falls on 23 November in the UK, however, some retailers normally start their Black Friday deals earlier on the run-up to this day – it pays to keep your eyes peeled for these deals!

Healthy Investment Tip 6

Give a gift to children, grandchildren or family friends that will grow with them. Rather than giving money or a voucher, why not consider investing in their Junior ISA or Child Trust Fund? Most providers allow deposits from just £10 and when one is open, anyone can pay into them.

Healthy Investment has been providing ethical savings and investment plans since 1835 – take a look at our Junior ISA, Child Trust Funds and Regular Savings Plans.

If you’ve managed to save on Christmas, just imagine what you could achieve by committing to saving a modest amount on a regular basis. Find out more about our Tax Exempt Savings Plans.

Healthy Investment is a modern, growing financial services organisation committed to providing ethical savings and investment products to Members. We are all about supporting people, caring about the community and playing a pivotal role in financial services for the benefit of our Members.


For further information about how we invest Members’ money and the ethical investment products we provide, please visit our website at or contact the friendly team at Healthy Investment on 0161 762 5790; or email

Alternatively, you can find out about our ethical products by clicking on the links below:-


Junior ISAs

Investment Bond

Tax Exempt Savings Plans


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