This article was published on 6 October 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.
For many Armed Forces families, Christmas is one of the most treasured times of the year. It’s a chance to come together, reflect, and celebrate – even if not everyone can be home. But with the cost of living still high, managing festive expenses can feel daunting.
The good news? You don’t need to overspend to create meaningful memories. With a little planning you can enjoy the season without the financial stress. Here are some ideas to help you celebrate in a budget-friendly way.
Start planning early
October might feel early to think about Christmas, but planning now can make all the difference. Begin by:
- Setting a realistic budget for gifts, food, travel, and activities.
- Making a list of who you want to buy for and setting a spend limit per person.
- Spreading the cost by picking up small items or stocking fillers bit by bit.
A head start means you can shop around for deals using promotions like Black Friday, avoid last-minute splurges, and ease the pressure on your December pay packet.
Fun activities at home
Creating festive moments together doesn’t have to cost much:
- Christmas movie marathons – choose a theme (classics, comedies, or animations) and make it a weekly event.
- Festive baking – from gingerbread houses to mince pies, get the whole family involved in the kitchen.
- DIY decorations – paper chains, handmade baubles, or salt-dough ornaments add a personal touch to your home.
Traditions that last
Family traditions are what make Christmas truly memorable. Try:
- Christmas Eve box – fill a small box with pyjamas, a hot chocolate sachet, and a festive film.
- Winter walks – enjoy the lights in your local town or head out for a frosty stroll after dinner.
- Homemade advent calendars – use small envelopes or jars with handwritten notes, jokes, or activities.
When a loved one is away
For many Armed Forces families, deployments or training commitments can mean spending Christmas apart. Staying connected can help bridge the distance:
- Video call traditions – set up a time to open presents together if possible, even if it’s virtually.
- Send a Christmas parcel early – include photos, letters, and small gifts to bring a touch of home.
- Create a memory book – jot down special moments from December so your loved one can read about them on their return.
These simple gestures can keep everyone feeling close, no matter the miles between you.
Preparing for next Christmas
Once the decorations are packed away, it’s worth thinking ahead to how you can save money over the next year to help make Christmas 2026 even more affordable. You may be able to save money by switching to an insurance product specially designed for members of the Armed Forces, such as those brought to you by Forces Mutual. Learn more at the links below.