35 Money Saving Tips For Christmas (That Actually Work)

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Christmas is right around the corner, which means now is the time to start preparing for the holiday season.

Getting ready ahead of time can save you a ton of time, money, and stress!

Below are both money-saving tips as well as ways to make extra money. 

Before we get started, make sure to sign up for my free resource library and get access to exclusive printables all about saving money and building wealth, meal planning, and more.

1. Get cash back with Ibotta

Ibotta is a free app that gives you cash back for making purchases on things like groceries, clothes, toiletries, and much more.

It’s silly not to use Ibotta if you’re a regular grocery shopper and also have to buy things like clothes, toiletries, and pretty much anything else you’d find at a store like Walmart or Amazon.

If you sign up now, you can get $10 in your account by using my link here.

If you’re downloading Ibotta on your phone, the app will ask if you have a referral code. Use my referral code: lwyxxrb and you’ll get $10 for signing up.

Ibotta users have made over $424,000,000 in cash back so far.

2. Switch cell phone plans

Fox business recently shared an article that said the average person spends about $57,600 over 60 years for their cell phone plan. That number doesn’t include buying new cell phones, extra equipment, etc.

I tested out a Tello Mobile phone that cost me $19 per month (total). Tello’s goal is to eliminate overpriced wireless plans. They have no contract, no fees, flexible plans starting at $5 to $39, and unlimited text in any plan.

3. Billshark

Billshark is a MUST for anyone who has a cell phone, cable, internet, or insurance bill and wants to lower their bill.

And trust me, it works because I’ve used it myself on 3 different bills and I’ve saved $290.

Here’s how Billshark works:

  1. Send copies of your bills to Billshark. (I did this by uploading an online PDF of each bill).
  2. Billshark negotiates all of the bills you send in.
  3. You get notified if Billshark was successful. If they are, they take 40% of the savings. Ex. Billshark saved me $290 over the course of 6 months, so I pay them $116. I can do this in a monthly payment plan or all at once.

It’s definitely worth the savings and it was such an easy process. 

You can start lowering your bills with Billshark here.

4. Move your money into a high-yield savings account

Are you still using a bank that is offering a 0.03% savings rate? Yep, that’s what my previous bank offers for savings rates, but CIT Bank is different. 

CIT Bank currently offers a high-interest earning of up to 1.70%. 

Applying only takes a few minutes. You can start saving with CIT Bank here.

If you have an emergency fund, why let it sit in a bank account offering 0.03%? My emergency fund is sitting in a high yield savings account and making me money every month.

If you’re not sure what your bank accounts savings rate is, contact your bank and ask. It’s worth it. 

5. Sell on Amazon

Starting an FBA (Fulfillment by Amazon) on Amazon is the perfect platform for building a business you can manage from home.

My friend Jessica, of The Selling Family, has perfected the art of selling on Amazon and has made well over six figures profit by working just 20 hours a week.

Jessica from has a FREE 7-day course that tells you everything you need to know to get started selling on Amazon. She shares the way she buys inventory, how to choose the perfect items to sell that will make you money, and so much more.

6. Save up for Christmas ahead of time

A Christmas savings plan can help you by making sure you save enough money ahead of time on gifts.

Or, you can talk to your friends or family about starting a secret Santa gift exchange every year. Less clutter in your house with things you don’t need and less money to spend. Start new traditions.

7. Surveys

Filling out surveys to make money is an easy way to make money by simply providing your opinion to questions.

I genuinely enjoy surveys because I love sharing my opinion on things. I’ve always been into taking quizzes and surveys, so naturally, I love this method of making some extra cash.

Here are a few of my favorite surveys:

8. Ebates

Ebates is awesome for anyone who regularly shops online.

Even if you only online shop 1x a month, you’ll still get cash back on your online purchases. All you have to do is find the store you shop at online on Ebates and then start shopping.

Create an Ebates account here. Make an online purchase of $25 and get $10 as a welcome bonus! So easy.

Ebates even has a free browser extension that automatically applies the best coupons to your purchases and activates cash back. There are so many times I forget to use Ebates when I’m online shopping – so the Ebates button reminds me every time I go online shopping. It’s a must. 

9. Bookkeeper

A bookkeeper’s job is to keep records of financial transactions of a business.

Bookkeepers can make between $30,000-$60,000 per year. Becoming a bookkeeper has several benefits, such as low startup costs, high profit, and ability to work remotely.

If you’re eager to learn more about becoming a bookkeeper, check out this free training that will show you the quickest and easiest way to start and run a successful virtual bookkeeping business. 

10. Teaching English with EF Education

EF Education is an online platform where Chinese students connect with online English teachers.

As an online English teacher, you can make up to $20/hour plus bonuses. Perks include working remotely, setting your own schedule, and working at a job where employees feel happy and fulfilled with their work.

You can apply to become an EF Education teacher here.

P.S. Sign up below for the FREE ultimate financial planner that includes printables like: debt tracker, income tracker, annual budget summary, savings challenges, financial goals, and debt thermometers!

11. Facebook Ad Manager

Did you know you can become a Facebook Ads Manager for businesses and make an extra $1,000 to $2,000 a month?

You can even learn how to become a Facebook Ads Manager in less than 28 days with the Facebook Side Hustle Course.

This course works, and it even gives you access to a private group that is full of testimonials. Students are making between $1,000-$10,000 per month.

13. Create products to sell

Digital products are a great way to share your knowledge and experience.

And they are even more amazing because people can download and access them immediately.

Digital products can range from ebooks, courses, printables, and more.

With Six Figure Blogger, you’ll learn how to create high converting sales pages, email trust funnels, digital products, and so much more.

14. Digit 

Digit is a fun money-saving app that helps you save money for a particular goal.

Say you want to save up for a vacation, Digit will analyze your spending and automatically move money from your checking account to Digit when you can afford it. 

Digit knows exactly how much to save, and allows unlimited withdrawals so you can access savings at any time, and even has a 1% savings bonus.

Get 30 days free of Digit here. 

15. Rent a room or apartment out on Airbnb

If you often travel and have a vacant house, I recommend putting your apartment or house on Airbnb.

Always make sure to check your apartments rules and guidelines regarding renting a room out. My apartment complex doesn’t allow people to rent out their house or rooms.

Here is a $35 sign up code for Airbnb.

16. Start freelance writing

Freelance writing involves getting paid for writing gigs on various websites.

You usually set your own rates, which increase as you grow your writing skills and experience writing for popular websites.

Having a blog also helps with freelance writing gigs.

Without my blog, I never would have been able to freelance for the personal finance company I also work for.

Here is a handy guide on freelance writing and how to get started.

17. Customer Service Representative

Customer service representatives are the go-between for customers and companies and may process orders, field complaints, or more.

What you do as a customer service representative will depend on the company you work for.

At FlexJobs, there are hundreds of new jobs being posted for customer service representatives.

These jobs are almost always entry-level, which means you don’t need any experience to get started.

18. Proofreader

Transform your passion for words and reading by becoming a professional proofreader, and help people like me who are terrible at proofreading.

I hire a proofreader for special projects which has been a must in my business. Proofreaders are a must for books, magazines, websites, and tons of other projects, so they’re always in demand.

Proofreaders can earn between $17-$30 per hour and offers competitive pay and flexible hours while working from home.

Here is a free workshop that will show you if proofreading is right for you. 

19. Plan your meals ahead of time

Prepping your meals ahead of time gives you the benefit of making sure you don’t run out to a restaurant last minute, which helps both your wallet and health.

$5 Meal Plan eliminates all of the meal planning and worrying and gives you everything you need in order to succeed.

20. Ebates

Do you shop online? If so, you’ll want to use Ebates from now on.

Ebates is a website that gives you cash back for your purchases, giving up to 40% cash back.

All you have to do is log on to Ebates, find out which store you want to shop at, and you’ll start getting cash back.

You get $10 for signing up through my link here.

21. Honey

Use Honey, a free money-saving service that connects to your internet browser for free.

Honey tells you when a certain product is decreasing in price, on sale, AND it even finds all coupons online to give you the best coupon.

22. Learn how to take care of your car

Learning how to take care of your vehicle is crucial in making sure it lasts a long time and doesn’t break.

Here is a list of a few things to know if you have a car.

23. Walk dogs

Did you know you can make money by pet sitting and walking dogs?

Or that you can find a reliable and trustworthy pet sitter online? I’ve used Rover several times myself and also walk dogs from Rover as a side hustle.

You even get $25 toward your first pet service here.

25. Find out what foods are in season

Finding out what foods are in season allows you to save money and eat plenty of healthy foods on a budget.

The summertime is the best time for affordable produce since it’s in season and plentiful.

Still, the fall and winter have many options when it comes to affordable healthy foods. Check out #1 listed here to find out what foods are in season.

26. Practice Minimalism

Minimalism is the new craze lately and for good reason. Minimalism is the practice of living simply and living with fewer things.

You’ll save a lot of money, have less clutter in your life, and feel more relaxed and happy by putting your happiness into experiencing life instead of experiencing “things.”

You can check out this minimalism guide here to get you started.

27. Drop

If you’ve been following my blog for a while, you know I’m a huge fan of Ibotta. What I haven’t been a fan of with Ibotta is having to upload receipts. 

Drop is essentially Ibotta, but you don’t have to upload any receipts. Your credit or debit card is linked to your Drop account, you automatically get points. You can get points from Uber, Walmart, HEB, Whole Foods, Instacart, and many others. You redeem points for gift cards. This makes saving money effortless. 

You can sign up for Drop here.

28. Trade stocks with WeBull

WeBull is a free commission trading app with many benefits and features that make it superior to similar trading apps.

WeBull is designed for intermediate and experienced traders, with many tools that beginner traders will enjoy as well.

As an added bonuses, all new WeBull customers get free stocks. 

How can I get started with WeBull?

  1. Sign up for a WeBull account here.
  2. Download the app on iOS or Android.
  3. Go to menu > “My Free Stock” > Click “Get It Now” which starts your registration and open a brokerage account.

That’s it! Getting started is really easy. When you sign up here, you get the option of depositing at least $100 and getting a free stock worth up to $1,000.

29. Programmable thermostat

A programmable thermostat saves you money and time. Your AC or heat will turn off on a certain schedule, and some can even be connected with WIFI, letting you

30. Save on travel

There are so many ways to save on travel to make it more affordable and not just a once a year thing.

Below are a few articles to get you to start saving on traveling:

31. Save on pets

Before getting a pet, make sure you have money saved and are prepared to spend money.

Pets can get into unexpected accidents or get diagnosed with diseases. And always make sure to get your animal spayed or neutered to decrease the stray population.

I wrote a detailed post on how to save money on pets that you can check out here.

32. Learn how to DIY

Learning how to DIY items can save you a ton of money. Here is a list of 50 ways to save money with DIYs.

33. Set money-saving goals

Setting goals and planning to succeed ensures that you won’t get off track.

For example, you can set a goal to save $500 this month, and then write down the steps to get you to that goal.

You can challenge yourself to only eat out once or twice a week, do a no spend challenge (no clothes spending or electronic spending), and track your progress throughout the month.

Telling a friend of the challenge can even inspire them to do the same, which adds some accountability!

Do you have a goal of investing? Find out how to invest $1000 right now!

34. Sell your stuff

If and when you get into minimalism, I recommend selling your things instead of throwing them away or donating.

While donating can be great and useful to others, if you’re trying to save and make money, you should be selling your goods instead. (and throwing away items that can be reused should always be a big no-no).

You can sell your stuff on or at:

  • Plato’s Closet
  • Amazon
  • Craigslist
  • Facebook Marketplace
  • Consignment shops

35. Set automatic transfers

Most banks will let you set automatic transfers so that you can transfer a certain amount of money every week (or whatever you set it to).

By making these transfers automated, you’re making sure that money gets put into your savings as we can be forgetful. It also eliminates the painful part of putting money away into savings since it’s done for you without you thinking about it.

➡️ What to read next: 30 Ways To Make Extra Money

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What are you doing to save money this holiday season? 

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