5 Ways To Save Money This Christmas For Your Family!

5 Ways to Save Money this Christmas is in collaboration with People’s Choice Credit Union.

This Christmas is probably going to be the most important one of my life so far. Even more important than the first Christmas that I remember as a child. Or the first Christmases of my two children’s lives. Of course they were pretty special too!

This Christmas though, it will be just over a year since I got my Breast Cancer diagnosis and I will have just found out whether I’ve passed my 1 year ‘all clear’. It’s a big one.

Save Money This Christmas - Love from Mim

Christmas is my favourite time of year and despite the anxiety that is starting to creep up about that appointment, I’m determined to make it a Christmas to remember. This year I’m out of treatment, I’m feeling good and I’m surrounded by family and friends who mean the world to me.

We’ve taken a financial hit in recent months since I left work after my diagnosis and need to be cautious with money and I know this is the same for many of you, for different reasons.

So I’ve come up with a few ways on how to save money this Christmas but still have a fabulous time!

5 Ways to Save Money this Christmas

1.  Plan Early

I’ve started making a list of everyone we will be buying gifts for and put money aside for those presents. If we wait until December to do this, we’ll end up panic buying and won’t have the funds to be able to buy what we want.

2.  Buy Early

Now I’m never going to be one of those people who buy Christmas presents in the January sales (!) but for the kids particularly, I like to try and get their gifts in the months running up to Christmas when they’re on special offer.

So look out for great deals and sales throughout the year and if you see something your loved one will like, picking it up early can save you a lot.

3.  Shop Online instead of in Person

My reasoning for this is twofold. Firstly it’s much quicker to research the best price online than to visit numerous shops. I’ll also avoid the Christmas shopping crowds!

Secondly, if I know exactly what I’m looking to buy, or have a good idea, I’ll be more likely to only buy that item online.

In person, I’m so tempted by Deals and Offers that I end up buying way more than I intended to. I’m a Marketer’s dream!

4.  Make, don’t Buy

I’ve always loved crafting and as a child, I used to hand make gifts for family and friends – we all did, right?

This year particularly, I want the gifts I give to be special and from the heart so I’m going to think about what I might be able to make instead of purchasing.. As well as saving me money, I love to receive handmade gifts myself. They just seem so much more thoughtful and personal, don’t they?

If you can’t afford to hand make a gift, why not get your kids to draw or paint a special picture? Or why not offer to do something to really help your loved one out like make a special dinner for them, babysit their kids or take them out for the day?

5.  Stick to your Budget

Even when I’m most organised and have planned ahead with my gift buying, I can still be swayed by adverts and special offers encouraging me to buy more gifts, beautiful decorations and Christmassy candles (I’m addicted!).

This year I’m setting my budget now and sticking to it because I don’t want to spend January stressing about what I spent the year before.

I want this Christmas to be relaxed and I have everything crossed that my annual check-up has great results and it will be double the celebration!

As well as budgeting for Christmas, we’re also in the process of saving to buy a family home next year, so getting our finances in order now is particularly important. It’s something we discuss every day.

We’ll be saving as much as possible so that when we borrow, that loan amount is as low as possible.

People’s Choice Credit Union

If you need a personal loan to help you make a big purchase that’s important to you, I’ve been finding out about Personal Loan’s offered by People’s Choice Credit Union. People’s Choice  is one of Australia’s leading credit unions, they’ll help you get the right personal loan that’s right for you with some of the most competitive rates in the country and you can find out more here.

People’s Choice  would like to take some of the stress out of one of my reader’s Christmas by giving away a $100 Visa gift card! Think of the Christmassy goodies you can get with that!

Read next:


Save Money This Christmas - Love from Mim

*** Giveaway Closed ***

To be eligible to win, simply complete the Rafflecopter, follow me on Instagram and YouTube and then comment below with how you would spend the $100 gift card this Christmas.

And the winner is….Nicole! Congrats and thank you so much to all who entered!

a Rafflecopter giveaway

The most creative answer from eligible entrants will win!

Terms and Conditions

  1. Giveaway open to Australian residents only.
  2. Closes on Nov 13th 2016.
  3. Winner will be announced here on Nov 14th 2016.

Good luck!

Disclosure: This 5 Ways To Save Money This Christmas post is sponsored by PCCU.



  1. Mark Johnstone
    13th November 2016 / 11:43 pm

    With $100 I’d buy myself some new shoes for XMAS

  2. Amanda S
    13th November 2016 / 11:26 pm

    I’d buy the biggest and cheesiest inflatable Santa and reindeer set for our front garden to make up for being the only boring house on our street last year with not so much as a fairy light.

  3. Natalie
    13th November 2016 / 11:03 pm

    I’d buy some fancy salt and pepper grinders. I’m sitting here on my laptop at the kitchen bench looking around and realise I’ve been using the same daggy salt and pepper shakers I received as a house-warming gift over 20 years ago. Yes, they’ve been useful but I want to make a favourable impression when I host my first family Christmas lunch (eeeeekk!!). Decent salt and pepper will be a good start :)

  4. Sue B
    13th November 2016 / 10:16 pm

    Often my family rush out the door,
    The pressies are opened,
    The gift paper’s on the floor.
    There’s always a lunch, a dinner, a visit to attend,
    It’s brekkie at home then off with friends.
    So with the extra 100 that quick brekkie could become a feast,
    Then morning time with Mum might just be increased!!

  5. Terri
    13th November 2016 / 9:51 pm

    I’d spend it on food so my family could have some treats

  6. Toni Niotakis
    13th November 2016 / 9:09 pm

    Christmas pressie for myself for all the hard work I am going to be doing!

  7. Melinda Bolitho
    13th November 2016 / 9:04 pm

    My kids and I always try to find a way to give to the needy at Christmas. We have given away a trolley full of groceries one year, parcels of toys another year – and this year we’d like to do it again, this voucher would be the perfect addition to a hamper :)

  8. Melly Legiman
    13th November 2016 / 5:55 pm

    My dearest sister just gave birth to twin daughters. I’d be buying some nice summer clothes for my beautiful nieces. Each of them will have a clothing budget of $50, thanks to your generous gift card (fingers crossed). I think when it comes to raising twins, it’s all about maintaining a healthy ‘balance’ because whatever ‘thing’ you’ll be spending on a child, you’d have to multiple every expense by two. In this case, I’ll be dividing the card by two (considering my budget). It’d be incredibly tough making ends meet, with two babies coming into this world at the same time, no doubt about it. At the end of the day, life moves on. The key to survival is careful planning, shrewd budgeting and happy babysitting!

    Thanks, and all the best to everything.

  9. Lucy
    13th November 2016 / 5:23 pm

    I know a local lady who is making up Christmas hampers for local needy families. I’d give it to her to top up the goodies!

  10. Shannon Wotton
    13th November 2016 / 4:06 pm

    I’d spend the $100 gift card on something extra special for my wonderful selfless husband who has been working hard all year and says he doesn’t want anything for Christmas. I think he’d like a Gold Class voucher so we can have a nice night out together!

  11. kiwilayla
    13th November 2016 / 3:54 pm

    On a very tight budget…… not yet Age Pension age, and having to live frugally on around $150– per week less than the Pension would pay, it would be a means of providing Christmas food and cheer for family and friends where otherwise there may well be none this year…..

  12. Jenny Watson
    13th November 2016 / 3:08 pm

    I would give the card to my sister – it’s so hard to buy for her – especially when what she really needs it just help with the everyday expenses such as groceries.

  13. ange
    13th November 2016 / 3:06 pm

    Put it towards treats for xmas day, after its all about sharing the joy

  14. Ebony Carr
    13th November 2016 / 12:50 pm

    Our 4 year old loves Lego, so it will go toward Lego for him

  15. Stephanie Veljanovska
    13th November 2016 / 7:09 am

    I would spend it towards some fun school supplies for my son that is starting prep next year I hoping that will make the translation easier.7

  16. Elisabeth Martins
    13th November 2016 / 12:24 am

    This would help a lot to buy presents for the family,
    this time of year is the hardest on my wallet,
    birthdays and christmas,
    can be very stressful.

  17. Kasey Evans
    12th November 2016 / 11:56 pm

    I’d put it towards a robot vac for my parents for Xmas, it’s something they have always wanted but being on a pension can’t afford.

  18. Becky Downey
    12th November 2016 / 11:55 pm

    I’d give it to my dad as not only is it Christmas time, it’s his birthday on Boxing Day (and I’m poor!)

  19. Eva Kiraly
    12th November 2016 / 11:26 pm

    I haven’t even started Xmas shopping yet, I always leave it to the last minute so I’d probably get started with this $100 gift voucher :)

  20. Debra Marr
    12th November 2016 / 11:22 pm

    I would put the money towards visiting my aging parents whom I’ve not been able to see in more than 2 years.

  21. Charlotte S
    12th November 2016 / 11:21 pm

    I would love to buy a very special ornament for my brother’s Christmas tree – he has recently moved out of home so I know he would appreciate starting a new tradition as we always so enjoyed bringing out our treasured ornaments each year at home to decorate the tree!

  22. Elizabeth
    12th November 2016 / 11:17 pm

    I would Christmas cheer with big gifts to my family and relative’s children out our annual Christmas gathering.

  23. Sarah Phillips
    12th November 2016 / 10:28 pm

    I would actually gift it. I have a 20 year old stepson who is so hard to buy for, this would make the perfect gift for him so he can spend it on anything he likes.

    12th November 2016 / 9:41 pm

    I’d like to buy some seedlings, potting mix and some pots.. Then I will pot the plants up and have enough for the kids to give gifts to teachers, swimming teachers, dancing teachers, etc. etc… Lovely plants make great presents as they last a while!

  25. Toni Chapman
    12th November 2016 / 9:09 pm

    I made sure to take lots of photos when each of our family members met our baby girl for the first time. I’m going to frame them and give them as Christmas gifts this year.

  26. Cate
    12th November 2016 / 8:45 pm

    $100 would buy lots of treats for Christmas- smoked trout and prawns for those who love it (not me!) and a nice bottle of wine! It would make Christmas even more special.

  27. Karen Thompson
    12th November 2016 / 8:33 pm

    I would put it towards the kids pressies.

  28. Lynnette Bull
    12th November 2016 / 8:04 pm

    I have my little sister coming over from NZ to spend Christmas with us and New Years and all of January…..she has a one way ticket but does want to go home at some point. I havnt seen her in almost 4 years So I would love to make up a Xmas eve box for her with some things that she will need, e.g. credit for a phone, a Myki card for travel, some toiletries and a photo album that she can fill with memories while she is here and take back home with her.

  29. Karen Mashford
    12th November 2016 / 8:03 pm

    I’d buy some gifts for my furry and feathered babies and my nephews and even treat myself to a piece of clothing as I haven’t bought anything in 10 years.

  30. Sonia Chang
    12th November 2016 / 7:58 pm

    It is a wonderful $100 gift card to do many positive things. I would buy some gifts for our local charities and a box Chocolates for my family. It is Christmas time and sharing my happiness with those closet to me. I would have wonderful feeling for 365 days.

  31. sue petrie
    12th November 2016 / 7:55 pm

    i would buy cards and wrapping paper and food for christmas and chocolate for mums nursing home

  32. Sharon Johnson
    12th November 2016 / 7:14 pm

    I’d share it between my two boys. It would make their christmas all the more brighter.

  33. Jessica Gorman
    12th November 2016 / 7:12 pm

    It’s been an intense year for my family as I’ve worked on my masters degree, worked in the disability sector, moved house, supported a parent through cancer, supported my husband through major surgery, and raised one child while growing another due next year. I’d spend $100 on some much needed “us” time with for my husband and I!!

  34. Kim
    12th November 2016 / 6:22 pm

    I’d put the gift card towards our family Christmas lunch, my favourite part of the holidays is sharing a meal with the ones I love most!

  35. Belinda Fletcher
    12th November 2016 / 5:38 pm

    We go camping each year at Christmas and I’d love to put $100 towards a celebration with the people who have sites around us – we’ve become great friends over the years and it would be nice to say ‘thanks for all the good times!’

    All the best with your check up and thanks for the competition opportunity!

  36. Jennifer B.
    12th November 2016 / 5:30 pm

    Powdered coffee? So disgusting.
    Real macchiato? I’m always lusting.
    We need it at home: rich, strong caffeine…
    $100 helps get us that ESPRESSO MACHINE!!!

  37. Kirily
    12th November 2016 / 5:22 pm

    I never spend very much at Christmas anyway, but I would use it so I don’t have worry so much about using money from my pension.

  38. Nicole O'Brien
    12th November 2016 / 5:14 pm

    My son has written a letter to Santa asking for a 2DS. This would be wonderful!

  39. rachel
    12th November 2016 / 4:49 pm

    good luck to your results coming through.
    Id definitely use the giftcard towards xmas presents for my kids,the money i save by this will go towards the dreadful January bills!

  40. kelly
    12th November 2016 / 3:18 pm

    On a day out over the holidays. It can be expensive taking the whole family out but this would definitely help.

  41. Monica S.
    12th November 2016 / 2:19 pm

    Would buy…

    Roast Pork with the mostest…
    Christmas Pudding with the gooding…
    And the biggest brightest flashing ‘Merry Christmas’ sign for my family to enjoy!

  42. Kelly Arnold
    12th November 2016 / 1:31 pm

    Yes please – every little helps in the lead up to Xmas, and my beautiful children deserve a good spoiling this year!

  43. Kelly Ryan
    12th November 2016 / 12:06 pm

    I would like to get some treats together for a family in need. Somethings to make others smile.

  44. rachel bishop
    12th November 2016 / 11:29 am

    i’d take my family shopping and let them help me choose some things to put into a hamper to make it up for one of my best friends who is a struggling single parent..she does so much for other people, i would love to treat her and her daughters!

  45. Mick G
    12th November 2016 / 11:22 am

    I could add those extra little items that make Christmas Day Dinner that something special

  46. Kristina S
    12th November 2016 / 8:14 am

    On Christmas dinner. Do a nice big shop and enjoy a nice dinner surrounded by my friends and family. My favourite part of Christmas.

  47. Joanna H
    12th November 2016 / 6:49 am

    I would buy ingredients for my girls and I to make Christmas treats for our family and friends; salted caramel fudge with a nice ribbon would be a great gift from the heart!

  48. Marie Pohnetalova
    12th November 2016 / 6:23 am

    On My Partner – Xmas is for sharing and there’s no one I’d rather share it with :)

  49. Belinda
    11th November 2016 / 11:49 pm

    Thankyou for these normal tips. Others Ive read are too far out there. How would I spend the $100 VISA card; After Saturday when Christmas is done, Perhaps mid-January when whether is hot, Id book a family dinner, near the beach, at a local spot.

  50. Tamara Lamb
    11th November 2016 / 10:38 pm

    $100 would provide most of the food I require for setting up the ultimate Christmas feast and create memories with my family! Big help at the end of the year where we are without income due to work situations.

  51. Rebecca
    11th November 2016 / 10:16 pm

    I would buy presents for my nieces and nephews!

  52. Aunty Party (Christine)
    11th November 2016 / 9:22 pm

    Every year I contribute gifts to our work’s Salvation Army appeal, to bring some poor children some Christmas cheer and show then how I feel. I would use my gift card to buy toys for these families that are finding life so very hard.

  53. kate
    11th November 2016 / 7:23 pm

    On a special outing for my little girl. She is about to become a big sister and deserves some quality time with mum and dad.

  54. Neeky Neeks
    11th November 2016 / 4:03 pm

    Wishing everyone a wonderful christmas…. enjoy every second :-)

  55. Rosemarie De Bari
    11th November 2016 / 2:18 pm

    It would be spent entirely on icecreams on our January holidays! I can’t think of a better way to spend it.

  56. M Cowan
    11th November 2016 / 12:53 pm

    I’d spend it on gifts for children in third world countries!

  57. Indika Wijayasekera
    10th November 2016 / 10:48 pm

    I’d buy Christmas presents for my son and husband.Also, we’d send a shoe box Christmas donation to an underprivileged child in another country. Son’s school is collecting our boxes. So good merits to you too :)

  58. Abby Lee
    10th November 2016 / 5:25 pm

    It would definitely go on Christmas Day treats :)

  59. Yvonne Giakoumis
    10th November 2016 / 2:40 pm

    I’d buy the most expensive Christmas Crackers I could find. The jokes can’t be bad in the fancy ones right?

  60. Teena L
    10th November 2016 / 2:36 pm

    I’d put it towards a laptop for my eldest as she needs one for school next year

  61. Marina
    10th November 2016 / 2:25 pm

    I would spend it on Christmas presents or stocking stuffers for my kids

  62. Alexandra Macias
    10th November 2016 / 12:53 pm

    I would spend the $100 on ingredients for a fantastic ‘Donut Drip Cake’ I plan on making for the family for Christmas. I’ve been wanting to make it for a few months but haven’t had the time (or spare money!) to do so. There are a lot of little decorations that require some extra money so the $100 would be perfect.

    I think the cake will make for some happy faces on Christmas Day!

  63. Dee M
    10th November 2016 / 9:58 am

    A date with my beloved – a bucket of prawns, a fancy bottle of wine and a stroll to the beach to enjoy!

  64. Leanne white
    10th November 2016 / 9:50 am

    I would treat myself to the hairdressers. Hubby was made redundant in August, but has just got a job recently . Which left luxuries like hairdressers on the wish list!

  65. Laura Scriven
    9th November 2016 / 8:50 pm

    Being a Visa card I’d use it online on the annual Click Frenzy Christmas shopping day and grab a bargain gift or three!

  66. Melissa Turner
    9th November 2016 / 2:36 pm

    I’ll spend it on ingredients for Expresso Martinis because I will most definitely need one (umm five) to destress after Christmas shopping!

  67. Melissa Kagie
    9th November 2016 / 2:21 pm

    I would gift it to someone who is doing it hard over Christmas.

  68. Katrina McAliece
    9th November 2016 / 11:07 am

    $100 towards our christmas family get together with hubby’s family, for the first time in ages all 3 blended families and kids will be together.

  69. T. Parker
    8th November 2016 / 6:27 pm

    Christmas to me is about family presence rather than presents – so I would buy some yummy BBQ meat and salad for a family beach BBQ and an afternoon of fun cricket :)

  70. Mario W
    8th November 2016 / 3:06 pm

    I’d spend it on my daughter who is growing like a weed!

  71. Celia
    8th November 2016 / 2:01 pm

    I would buy myself a brand new pair of Christmas pjs and some new shirts for my other half.

  72. Louise M
    8th November 2016 / 11:06 am

    On a present realistically!

  73. Anna S
    7th November 2016 / 6:00 pm

    You can’t buy love, but with $100 to spare I can buy a delicious dinner for me and my mum for Christmas at a nice restaurant to say thank you for all the hard work she does. I’m a typical uni student in that I’m pretty slack when it comes to doing chores around the house and helping out mum (especially during exam time, though we all know I’m just procrastinating). But I think I need to give her a proper THANK YOU for what a support she always is to me and the best way to do that is by sharing some quality time with her over a fancy meal together!

  74. Laureneve
    7th November 2016 / 4:08 pm

    Christmas can be an expensive time of year. $100 would be my contribution to the family meals over the Christmas and New Year period.

  75. Belinda Moxey
    7th November 2016 / 2:04 pm

    I would spend the $100 on presents for my family and try to get as much bang for my buck as I could

  76. hayley shaw
    7th November 2016 / 10:29 am

    I’d treat my niece , she’s pregnant at the moment and a little treat would light up her day

  77. Vanda B
    6th November 2016 / 1:33 pm

    I would treat my little girl to some pretty summer dresses.

  78. Melissa Vo
    6th November 2016 / 8:09 am

    I’ll spend it towards this shirt i’ve been eyeing for a year!!!

  79. Bella Ri
    5th November 2016 / 9:38 pm

    i’d purchase a heap of craft supplies and make hand made postcards and gifts for Christmas!

  80. Kathleen
    5th November 2016 / 9:27 pm

    I am finishing up my diet on 30 November (worst 3 months of my life). I just want to go to Coles and go ballistic.

  81. Michelle
    5th November 2016 / 7:45 pm

    Food for Christmas lunch with all the family

  82. Mellie
    5th November 2016 / 2:00 pm

    I’ve been told my children need an ipad for their studies. So $100 would go into the ipad fund from Mim with love. Thanks

  83. Jeannine Barrett
    5th November 2016 / 11:25 am

    I would buy my rescued greyhound Jack a lovely new collar and a new toy or two for Christmas

  84. Sharon Markwell
    5th November 2016 / 11:00 am

    I love us all wearing red on Christmas Day so new updated festive outfits would be wonderful.

  85. Rosana
    5th November 2016 / 8:54 am

    December is loaded with celebrations in my household. With three birthdays in the family and Christmas we have to be very resourceful and creative to make our budget stretch. With a $100 gift card I would get some gifts for my husband, the first December birthday, as he is usually at the bottom of the list.

  86. Elly
    4th November 2016 / 5:24 pm

    Gifts for my family! For mum a rose plant, for dad – some new socks, hubby – some new undies!

  87. Józef
    4th November 2016 / 3:07 pm

    We are hosting Christmas this year. I want to put on a festive spread that ensures everyone has a relaxed and merry time.

  88. Edward Dekkers
    4th November 2016 / 2:01 pm

    Duh….on my wife….obviously :)

  89. Belladon
    4th November 2016 / 7:13 am

    Something for me ! I put so much effort into Christmas for everyone but feel a bit neglected come Christmas Day.

  90. Natalie Wright
    3rd November 2016 / 10:11 pm

    I’d probably spend $100 gift card on wrapping and decorations to make Christmas sparkly and shiny.

  91. Melanie Farrugia
    3rd November 2016 / 9:00 pm

    this would mean an extra night we could spend away on our family Christmas holiday caravaning

  92. Karen S
    3rd November 2016 / 10:34 am

    I would buy something special for my husband for Christmas. We are so busy trying to make Christmas special for the children (and we always do and love to) but it would be nice to spoil him for once!

  93. Louise T
    1st November 2016 / 9:30 pm

    I would buy all the things on my “Christmas Lunch Wish List”, all the trimmings, a bigger Turkey, a better pudding. Lashings of custard, cream, nuts, seafood. I would go the whole hog!!

  94. cleo
    1st November 2016 / 7:04 pm

    I would spend it on Christmas gifts, probably toys for the boys. Stockings will be overflowing, boy’s faces will be glowing. Opening their presents , their eyes light up as they unwrap, overwhelmed with joy as they see their favourite toys.

  95. 1st November 2016 / 12:47 pm

    So many great tips – I have just started buying online more as well and find it a good money saver!

    I would spend it on delicious food and tasty drinks to share with my family on Christmas Day

  96. Cassie Springate
    1st November 2016 / 12:27 pm

    I’d go straight in to lush and buy a bunch of things for everyone in the family (and a little treat for myself). I found lush to be the most fantastic stocking fillers and there is something for everyone!!

  97. Aleisha Sullivan
    31st October 2016 / 1:45 pm

    With all these tips,
    I could buy so many gifts.
    But for one special girl, with a long Santa list,
    I’d buy books and make clothes with a unique twist.
    Thank you Mim for your Christmas comp, if I win, hubby and I will have a celebratory romp ????

  98. Melinda Nardella
    30th October 2016 / 6:49 pm

    I’d spend it on my favorite wine to get me through Christmas Day with the in-laws!

  99. Melissa D
    29th October 2016 / 11:40 pm

    My partner and I agreed not to buy each other presents to save money, but with an extra $100 I could treat him to something nice!

  100. Benjamin Travia
    29th October 2016 / 10:44 am

    I’d like to learn a new language with my girlfriend. Apparently, linguistics is expensive. Grazie signorina.

  101. Wendy Hatton
    29th October 2016 / 9:49 am

    I like to find somewhat original Christmas gifts for my ever increasing number of grand children. Quite a hard job I must say. If I’m a winner I will spend the Visa money at a variety of local markets that are bound to be a good source for individual gifts.

  102. Samantha Allen-Stephens
    28th October 2016 / 8:54 pm

    I would spend my $100 voucher on a couple of extra presents for my boys ????

  103. Kylie Embury
    28th October 2016 / 8:46 pm

    We donate to our hospital kids ward as often as we can. I would use some of this to buy new DVDs books and stationery for the kids. I’d also like to make some gifts for my son’s kindergarten teachers as they have been so amazingly supportive, nurturing and patient making his first year fun and not at all stressful (for him AND me ???? )

  104. natalie hollis
    28th October 2016 / 8:10 pm

    My husband keeps telling me he wants a goat. We have a tiny backyard and are NOT getting a goat, but id love to surprise him by buying a goat in a 3rd world country via a charity.

  105. Ying Ying Tan
    28th October 2016 / 7:14 pm

    We might celebrate our 9 year wedding anniversary by spending it hiring a nanny to babysit my kids for a few hours so we can enjoy a beautiful 3 course meal by the harbour!

  106. Gary Wood
    28th October 2016 / 10:36 am

    I’d use it towards a Laptop for my daughter

  107. Linda Hynson
    28th October 2016 / 9:20 am

    I would buy new decorations as ours are a bit dated

  108. May
    28th October 2016 / 8:02 am

    As a stay at home mum we have a pretty tight budget. I’d love to be able to surprise my husband with an awesome present that hasn’t been agreed upon in a previous discusssion. I’d probably get him The Walking Dead comics because he wants to read them but wouldn’t splash out for it himself and with ant leftover I’d buy him a kindle ebook voucher. He is a bookworm.

  109. Stacey Shailer
    27th October 2016 / 10:48 pm

    I’d be stocking up on craft kits and items for my kids as presents for Christmas – and it’ll give them plenty to create and keep them occupied during the school holidays afterwards, win win!

  110. Christy
    27th October 2016 / 9:33 pm

    I’d go with the intention of finally buying myself something nice, but, who am I kidding? I’d come home with Christmas presents for my kids and nieces and nephews!

  111. sarahMary
    27th October 2016 / 12:41 pm

    I’d use the $100 at the supermarket, so we could share a decadent and memorable feast on Christmas day. After all, it’s all about the yummy festive food!

  112. Donna Kellogg
    27th October 2016 / 4:10 am

    I would use it on black friday to get the best sales for christmas.

  113. 26th October 2016 / 10:31 pm

    Fortunately, my family only does gifts for children so I would spend the $100 on ensuring we had some lovely wine to toast Christmas day.

  114. 26th October 2016 / 6:27 pm

    I often buy early as well because then there isn’t such a huge outlay all in one month right before Christmas, which will be even more important now that our single income has been changed to a monthly salary {going from weekly to monthly was really hard to adjust to}. I never normally make a specific budget, but this year I’ll probably have to.

  115. Ashley Beech
    26th October 2016 / 5:27 pm

    You know, I’m almost sorted for family presents,
    just waiting for Chrisco to come.
    So with this $100 voucher,
    I might be selfish just for once,
    and buy myself a little something,
    perhaps a pair of earrings, or 2.


  116. Samara McRae
    26th October 2016 / 4:24 pm

    A toy truck for my little man. He is obsessed with trucks and would love one to play with.

  117. Anthea Cornish
    26th October 2016 / 3:56 pm

    I would spend it on my grown up kids who are always there for me, and particularly this year they have been supportive as I go through breast cancer treatment.

  118. Tess Howard
    26th October 2016 / 3:48 pm

    We are having a well deserved family holiday after a rough year. This gift card would mean a trip to the food trucks at the park for a family ‘pick and choose’ meal under the setting sun!

  119. Sherry P
    26th October 2016 / 2:59 pm

    It would go towards gifts for my little boy! ????

  120. Ern
    26th October 2016 / 2:56 pm

    With ease, where do I start? Wrapping paper, decorations, Christmas bevvies, stocking toppers. It will seriously be gone in the twinkle of an eye.

  121. Maree Wood
    26th October 2016 / 12:33 pm

    what a great prize :) It’d be great to use for the extra groceries we usually go through over Christmas :)

  122. Ellie L
    26th October 2016 / 12:00 pm

    I would love to take the family out for a nice christmas brunch. It’s the perfect way for all of us to spend time together, enjoy the day and eat some delicious food

  123. May L
    26th October 2016 / 11:47 am

    I would spend it on a nice christmas dinner. It’s always a sure winner. Decked out with drinks and a dessert buffet. It’s the perfect way to enjoy the holiday! We all come together around delicious food. It’s an easy way to lift everyones mood =)

  124. Tony Avery
    26th October 2016 / 11:24 am

    I would like to buy some board games to put under the tree for Christmas. We can then enjoy some games nights which are always a lot of fun for the whole family.

  125. Sacha Pech
    26th October 2016 / 11:21 am

    It’s boring and ‘responsible’ but I’d keep it hidden until we get back from our Christmas holidays. We’re driving from Adelaide to Rockhampton to see my sister and her family and no doubt we’ll be broke from fuel, accommodation and ‘extra’s’ that always crop up. It will be our New Years saviour!

  126. Jade O
    26th October 2016 / 11:14 am

    YAY, I love this time of the year, from all the decorations to the Christmas carols and of course the food. With Christmas at my house this year, $100 would go onto the seafood, because whats an Australian Christmas without some fresh seafood!

  127. Kathy Johnson
    26th October 2016 / 11:01 am

    Thank you Mim, what great tips – I have always loved hand made items, especially at Christmas, they seem so much more thoughtful. We always buy early, in fact boxing day sales are the start to our Christmas shopping. It is the “stick to your budget” pat I have trouble with :)

    Thanks for the chance to enter x

  128. HS
    26th October 2016 / 10:55 am

    I would put it towards holiday food, mainly dinners and parties.

  129. Dianne
    26th October 2016 / 10:41 am

    Whoops, just read the competition entry form, well $100 would buy a nice arch and/or plant stand that we could keep our plants on and train some nice Australian vines around. Thanks Mim!

  130. Dianne
    26th October 2016 / 10:39 am

    We’ve started cutting and planting rosemary stems ready for Remembrance Day and the next step will be some herb seedlings or propagation for christmas. This time of year they grow so quickly and everyone loves a beautiful, healthy plant that is useful for christmas and we get to invest time and not much money to create them! The leftover ones we can donate to the local food bank or community garden! Fingers crossed for your 1 year review Mim.

  131. Nichole Mckee
    26th October 2016 / 9:35 am

    In all honesty I reckon we’d spend the $100 on Diesel for the car so we can get to Brisbane for Christmas with both our families since Christmas won’t be at home this year after we lost my Dad in law this year.

  132. Nicole
    26th October 2016 / 9:03 am

    With birthdays already on Christmas Eve and Christmas Day, our cheeky third has decided to join the December fray!

    Present already wrapped, stockings already stuffed – we will be too busy in December to deal with Christmas fluff.

    So what would I spent $100 on?
    A massage ofcourse – 1 hour long! ????

  133. Carly Williams
    26th October 2016 / 9:01 am

    I would spend the gift card on buying gifts for my family.

  134. Paula Harris
    26th October 2016 / 8:16 am

    I’d send my Mum a surprise basket of goodies…..she is 2000km away and I haven’t seen her for 2 years

  135. Lesleigh S
    26th October 2016 / 7:47 am

    I’d buy a real Christmas ham with all the trimmings to share with my whole extended family for Christmas lunch

  136. Em
    26th October 2016 / 4:47 am

    Nothing makes Christmas richer than spending it with those you love. I’d use the $100 to buy food so we can all share a home cooked meal together. Since this year’s budget is so tight, I’d barely be able to do that! Thanks for the tips and comp! :)

  137. Mrs B
    26th October 2016 / 1:22 am

    I would put it towards the family table, and make sure everyone gets a wondrous home made meal to remember. Some special king prawns would be a treat. Dessert would be my black forest trifle.

  138. Charl L.
    26th October 2016 / 12:09 am

    I’d purchase some new board games the whole family can play together over the festive season :)

  139. Kirsty Johnstone
    25th October 2016 / 11:28 pm

    I would use it for fuel money to finally get back out home for Christmas. It may even be put towards a Christmas carols CD much to my partner’s dismay haha

  140. Karina Lee
    25th October 2016 / 10:46 pm

    I would buy my Mum a nice meal at any restaurant she fancied…for her babysitting services this Christmas!

  141. Rhyz
    25th October 2016 / 10:46 pm

    I would spend it on parts for my car

  142. lynne lillington
    25th October 2016 / 10:27 pm

    5 craft baskets filled with craft supplies for the granddaughter to make things over the holiday.

  143. Belinda B
    25th October 2016 / 10:13 pm

    Thanks for those tips, they were all really helpful and it’s comforting to know that People’s Choice Credit Union is a good option in case I fall short this year :)
    With the $100 gift card, I would buy gifts for the people that aren’t immediate family but always have a smile for us no matter what: the school crossing man, our friendly postie and our lovely family GP – all top people who never fail to brighten our day with their positivity!

  144. Barry Callaghan
    25th October 2016 / 9:57 pm

    I want to buy something nice for my fiance for xmas :)

  145. Scott Crumlin
    25th October 2016 / 9:46 pm

    Toys for little ones. Perfume for Mum and a bottle of Scotch for Dad!

  146. Tracy Wedding
    25th October 2016 / 9:08 pm

    id buy baubles or decorations I could personlise

  147. Nicola James
    25th October 2016 / 9:01 pm

    Purchasing craft materials and asking the grandkids to draw, paint and make handprints on paper to wrap all my presents. They love doing it, and far-flung family love receiving presents wrapped this way!

  148. 25th October 2016 / 8:59 pm

    It seems you love Christmas as much as I do! Well, almost ;)
    I have already completed the majority of my Christmas shopping, and I’m in the process of wrapping them! My Pinterest is filled with Christmas ideas!
    I need eggnog.

  149. Annie
    25th October 2016 / 8:44 pm

    Thanks for the Christmas money saving tips. As I’m a disability pensioner I’m always looking for simple and inexpensive ways of making Christmas just that little brighter for hubby and our three kiddies. In fact, I’d love to spend the $100 gift card on my kids just to get them a little something extra this year because they are usually so understanding and supportive of receiving minimal gifts compared to their friends.

  150. Anne
    25th October 2016 / 8:30 pm

    I would buy some new pajamas for my kids to sleep in on Christmas eve.

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