We are currently experiencing technical difficulties with our telephone system.
We apologise for any inconvenience and are working to resolve this as soon as possible.
Evolution Money
Customer Enquiries 0161 814 9158
This website uses cookies. By continuing to browse the site you are agreeing to our use of cookies. Continue
Secured Loans > 5 ways to save money this Christmas

5 ways to save money this Christmas

4th November 2016 | Published by Anthony James

For many families in Britain, the prospect of Christmas goes beyond spending quality time with family; it’s also very expensive.

When you consider the accumulative cost of food, drinks, cards and decorations, it’s easy to see why many people quickly find themselves in debt by the turn of the new year. That’s not to mention the price of those ‘must-have’ presents, which seems to be on the rise every year.

Not to worry – Evolution Money is here to help!

The words ‘festive’ and ‘frugal’ are rarely used in the same sentence, but that’s not to say it’s impossible to enjoy the benefits of a budgeted Christmas. Here are our top five tips to save yourself money throughout the festive period…



  • Start saving from Halloween (or before!)

Those who rely solely on December’s payslip to fund their entire Christmas splurge are definitely asking for trouble.

If you want to go all out without sacrificing too many beloved frills then it always pays to get ahead with your Christmas shopping. Buy and stash what you can in November (or even October) in order to split the cost between two or three pay packets.

  • Agree your limits

As the conversation with friends, family and work colleagues turns towards the upcoming Christmas break, start planting the seed of expectation. For example, many couples with children choose to operate a ‘kids only’ rule – or at least set a fairly modest limit to spend on each other.

Secret Santa doesn’t have to be the sole preserve of the workplace either; if you’re lucky enough to have a sizeable group of friends then this can cut down the cost of getting gifts for everyone. And rather than picking up a bog-standard £20 book from the Waterstones bestseller list, get creative with £5!

Remember, it really is the thought that counts.

  • Gather your vouchers

Thinking of a perfect time to use all those Tesco Clubcard or Sainsbury’s Nectar points that you’ve accrued throughout the year? Christmas is it.

For many loyalty schemes, it pays off to convert your points into vouchers first instead of simply cashing them all in at the till in one go. These vouchers are ideal to compensate for the extra money that every family is likely to spend on all that lovely food and drink.


  • Choose your supermarket wisely

While you may not think twice about shopping at Tesco, Asda or Sainsbury’s for the rest of the year, have you ever stepped foot into Lidl or Aldi? For quality fruit, veg and meat produce, the price difference can be quite remarkable. That includes turkey!

Although all supermarkets will literally be teeming with special offers in the build up to Christmas, it’s probably best off to give Waitrose or M&S a miss if you’re looking to keep your shopping bill down.

  • The end of year clearout

While you’re already up in the loft pulling down bags full of tinsel and old decorations, take note of what items you may be prepared to part with: clothes, electronics equipment, that old telescope that hasn’t been used since 2006.

It’s no secret that websites like eBay are a prime market for selling on your unwanted goods. Once you get into the habit of uploading your listings (which can now be done quickly on your mobile phone) it could even become a fairly regular source of extra cash.

Category: Homepage, Money
This post was written by Anthony James
Warning: Late payment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

How our customers rate us

We’re proud of the high standard of our customer service and believe that each of our customers should be treated as an individual.
Evolution Money 96 out of 100, based on 178 reviews over the past year. 178 user reviews. Read our reviews

Members of the The Finance & Leasing Association

FLA logoThe Finance & Leasing Association is the leading trade body for the motor finance, asset finance and consumer credit industries in the UK.


Feeling social? Check out our social pages!

Tweet us on Twitter
Like us on Facebook
Add us on Google+

Our Address

Evolution Money,
9 Portland Street,
M1 3BE

Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

0161 814 9165

Contact by Email

Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 8 St John Street, Manchester, M3 4DU. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

© 2019 Evolution Money | Cookies | Complaints Policy | Breaking Down Our Loans | Terms & Conditions | Fair Processing Notice
Get Quote
I want to borrow £
You will need to read and agree to our Fair Processing Notice before continuing. *
You will receive a call today to continue with your application.
Thank you for taking the time to fill in our online enquiry form. Unfortunately in this instance we won't be able to help as being a homeowner is one of our primary requirements.

Fair Processing Notice

Who we are:

Evolution Money Ltd, Progressive Money Ltd and Evolution Lending Ltd are all wholly owned subsidiaries of Darwin Loan Solutions ('the Group').

We take your privacy seriously and will only use your personal information to

A) Discuss loan offers and provide you with the products and services you have requested.
B) If you take out a loan with us and become our customer, it will also be used to manage your loan.

We'll keep your details for up to 12 months to enable us to help you with your loan application. If you don't take out a loan with us, we will delete your enquiry details unless regulations say we must keep them for longer.

This won't change any marketing preferences you've already chosen.

How we control and process your data:

Our companies hold and process your personal data in accordance with Data Protection law in the UK. We are committed to maintaining the privacy and protection of all personal data collected in connection with our broker and loan services. We may share your information with credit reference agencies and other companies for use in credit decisions, for fraud prevention and for debt collection purposes.


Marketing Contact preferences - putting you in control:

We would love to tell you from time to time about offers and special deals on loans, insurance products and utility services which may save you money.

If you're happy to be contacted about these, please click the boxes to tell us how you want us to get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


Marketing Contact preferences - Our partners:

We would love to tell you from time to time about special offers and deals from our carefully selected partners.

If you're happy to be contacted by them please click the boxes to tell us how our partners can get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


Please read the full details of our Fair Processing Notice including Credit Reference Agency Information Notice (CRAIN) Click here to see a copy of the CRAIN.

If you agree to our Fair Processing Notice and want to continue to the next stage - click Agree.


Start Here
Please wait

Please wait

Don't leave just yet!

Evolution Money are a multi Award Winning UK finance company with thousands of happy customers!

Award Winning

Our friendly loan advisors can let you know if you're eligible for a loan without affecting your credit score. Why not give us a call today!

Freephone 0800 144 8188

Back to Evolution