Your Guide to Budgeting This Christmas

Christmas is all about fun, family and togetherness - the time of year where you can kick back and enjoy the happy holidays.

Or is it? A survey commissioned by Curve found that:

  • Because of financial pressures, nearly a third (31%) of survey respondents said they would probably be choosing not to buy presents for certain people this year.

  • One in five (21%) said they had borrowed money using a loan to pay for Christmas.

From these figures alone, it’s clear that the financial stress of Christmas is taking its toll.

At Curve we believe that the experience of Christmas should be a positive one, and we have several tips for getting the most of your finances throughout the festive season. It’s time to take control.

Give Curve a try and get rewarded

If you haven’t yet got a Curve card, you’re missing out on an essential companion to help you achieve your budgeting goals.

Curve is all about helping you to control your finances so you can live life’s rich experiences. This is also very true in the holiday season.

Curve connects all your debit and credit cards into one smart card and app to help you keep your finances under control, so you can spend more time focusing on a great Christmas with your loved ones.

By getting Curve and putting all your finances right at your fingertips, you can:

  • Save up to 5% when spending abroad by saving on bank conversion fees.

  • See exactly where all your spend is going with instant notifications and a live spend timeline.

  • See a clear display of all your spend insights split into categories. This is especially useful around Christmas when your spend is split across various retailers for gift shopping.

  • Earn 1% cashback from a choice of selected retailers (as a 90-day introductory offer).

  • Add a layer of protection to your cards by locking your Curve card with a single tap.

No more sifting through multiple bank statements to find a transaction. No more juggling multiple cards trying to remember all their PIN numbers. No more not knowing where the money went.

Just one card, to organise all your finances... just in time for Christmas!

As Christmas is the season of giving, use the code 'XMAS1' when registering to the Curve app to earn a free £5 on us, after you make your first transaction! And that’s not all - by using code 'XMAS1' before 23:59 GMT of 25th of December, you will also be entered into a raffle to win £500 in experience vouchers. Terms & Conditions apply.


We’ve compiled some of our essential tips to push towards stress-free finances this Christmas:

1. Plan ahead

Everyone dreams of having the perfect Christmas. If you plan accordingly, you can achieve this by making the best use out of your time and money.

Leaving the Christmas shopping until the 24th and going out without a budget is a sure way to waste time in busy streets and not get the delivery on time. Setting a shopping timeline and budgeting for it is the way to go. Going out for Christmas shopping early (maybe this week?) with a clear budget will help you shape your best Christmas, with no surprises from your bank balance.

2. Spend in the right places

When the chaos of Christmas shopping reaches its peak in the holiday, it’s easy to get overwhelmed and miss out on the best deals or gifts.

In 2018 though, there are endless opportunities to find the perfect gift within a price range, right at our fingertips.

As the web usually beats the high-street on price, online comparison sites searches the net to find the cheapest gadgets, books, games or anything else - all in a matter of seconds.

By checking into these websites when you spark a great gift idea, you may snap up the hot deal you were after, which is a great feeling!

3. Be creative

Christmas gifts aren’t always about finding the best designer item or splashing out on the most expensive products you can afford. Often, gifts with high sentimental value are much higher appreciated regardless of price.

In a survey, it was found that gifts that were “meaningful” were people’s favourite kind of gift to receive (39%), whereas just 16% of people said that their favourite gifts were products that they had asked for.

By putting thought into the gift and getting creative; based upon anything from inside jokes, a happy memory or personalisation, you can truly light up a loved one's Christmas!

Check out FindMeAGift to gain inspiration for affordable gift ideas, that your loved one will not only appreciate but never forget.

4. Consider the power of great experiences

The joy and memories of experiences, from epic adventures to minute encounters, can last a lifetime.

With the huge variety of great experiences available to book online through websites such as Experience Days, Virgin Experience and Buy A Gift, you can provide your loved ones with a long lasting, fulfilling happiness with a relaxing, exhilarating or fascinating experience day.

With the opportunity to book these incredible experiences at often the same price as an item of clothing, we see providing unforgettable memories as great value in gift shopping.


Remember, use the code 'XMAS1' when registering to the Curve app to earn a free £5 on us after you make your first transaction! And that’s not all - by using code 'XMAS1' before 23:59 GMT of 25th of December, you will also be entered into a raffle to win £500 in experience vouchers. Terms & Conditions apply.


What are your techniques for getting your finances under control over the busy Christmas period? We’d love to hear them!

Charlie Paris-McKenzie

Digital Marketing Apprentice at Curve

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