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Save Money & Slay Debt

You are here: Home / Christmas / Last Minute Christmas Checklist

Last Minute Christmas Checklist

Tips like these helped us pay off $127K in debt. You can read our story in Slaying the Debt Dragon: How One Family Conquered Their Money Monster and Found an Inspired Happily Ever After.

December 17, 2021 By Cherie Lowe

The countdown is on! Here's your last minute Christmas checklist to ensure a financially Merry Christmas and a Happy New Year!

The countdown is on! With less than a week left before Christmas, you may feel a little overwhelmed. Or perhaps you’re an ace who has everything lined up and ready to go. Odds are good there are a few last minute details you can easily knock out today or tomorrow. Here’s your Last Minute Christmas Checklist to save money and manage your time well.

Balance Your Checkbook

The last few weeks before Christmas feel like a flurry for most of us. There are last minute gifts to buy, trips to the grocery store, Amazon orders, and more. Take a holiday halt and spend a few minutes reconciling your spending. Don’t forget to pay bills that may be due during the busy week between Christmas and the New Year. Glancing over your spending will also ensure you catch any potential erroneous charges or even hacks.

Always Double Check Shipping Options

The majority of online retailers can no longer guarantee your gift will arrive by the big day. Check and double check when items are slated to arrive before clicking buy. Amazon may have a few last minute finds you can purchase. Otherwise, look into curbside or in store pick up when you’re shopping online.

Prepare a Christmas Morning Box

Scissors, batteries, and trash bags – oh my! You might need a few extras as the gifts are unwrapped. Be sure you’ve purchased these items so you’re not caught off guard sitting under the tree. A lot more stores are closed on actual Christmas day so you won’t be able to run out and get them. Think through the presents yet to be opened and anything you may need to go with them. Prep a small box to place near the tree so you’re prepared before the morning becomes a flurry of activity.

Plan Your Meals

Meal planning is a smart idea every week but during the holidays, it’s a lifeline for weary parents everywhere. Even if you plan on hitting the drive through or ordering pizza, write it down. As you plan your meals, jot down your grocery list and maybe even put together a pick up order to be sure you have everything you need.

Evaluate Your Gifts

If you haven’t already, now is the time to check that list twice. No, you’re not considering who’s naughty or nice. You’re determining if you have remembered everyone – family, friends, neighbors, teachers, and coworkers. Lay everything out, maybe finish up the wrapping and be sure you have your bases covered.

Consider Last Minute Gift Ideas

Thank goodness for digital gift cards in a season of crazy. Everyone loves a little spare cash this time of year! So you can easily send a gift card through your phone for everything from Grubhub to Starbucks to Amazon if you’ve forgotten anyone on your list this year. Cookies or Christmas morning cinnamon rolls are always a great idea, too. If you don’t have time to bake, consider picking something up at a place like Costco or Sam’s Club. More ideas can be found here:

  • The Best Last Minute Christmas Shopping Tips
  • How to Save Money on Last Minute Christmas Gift Ideas
  • Teacher Christmas Gift Ideas That They’ll Love

Plan Christmas Morning Breakfast

Last but certainly not least, think about what you’ll serve for breakfast on Christmas morning. Be sure you have those items on your grocery list, too. I’ve written a number of posts on Christmas morning breakfast ideas before. You can check them out here:

  • Quick & Easy Kid Friendly Christmas Breakfast Ideas
  • Night Before Christmas Breakfast Ideas
  • A Smart Guide for Christmas Morning Breakfast

While it’s never perfect, Christmas will be wonderful. Take a deep breath and try to focus on what really counts!

Check out Cherie Lowe, the Queen of Free for the best money saving and debt slaying tips!

My book is now available: Slaying the Debt Dragon: How One Family Conquered Their Money Monster and Found an Inspired Happily Ever After. You can also check out The Debt Free Devotional on Kindle.  

This post contains an affiliate link. That means when you get a great deal, learn about a way to save, or maybe even something for free, I may end up making a small commission. All prices are subject to change.

Related posts:

Non Toy Gift Ideas Kids of All Ages Will Love Making memories doesn't have to cost a bundle! Keep the kids busy with these simple FREE Christmas Break Family Fun Ideas.FREE Christmas Break Family Fun Ideas Save time and money on Christmas morning! Check out these affordable and delicious recipes.3 Easy Night Before Christmas Recipes Score Christmas gift cards this year? Don't miss this post with the best places to sell them, exchange them, and how to make sure you make the most of every penny!The Best Ways to Use Christmas Gift Cards
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My book is now available: Slaying the Debt Dragon: How One Family Conquered Their Money Monster and Found an Inspired Happily Ever After. You can also check out The Debt Free Devotional: 30 Days of Encouragement From the Bible For Those Paying Off Debt on Kindle.

This post contains an affiliate link. That means when you get a great deal or maybe even something for free, you also help our family pay off our mortgage early. And for that, we royally thank you!
FREE Christmas Break Family Fun Ideas
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Cherie Lowe is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

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Testimonials

  • Ruth SoukupRuth SoukupLiving Well Spending Less

    "When it comes to saving money and paying off debt, Cherie not only talks the talk, but truly walks the walk! Sharing easy-to-implement ideas along with a dose of tough love, Cherie leads with the perfect combination of empathy and authority. If you are struggling to pay off debt, you won't find a better cheerleader."

  • Margaret FeinbergMargaret FeinbergAuthor of Fight Back With Joy

    "Cherie Lowe is a gifted writer, researcher, and thinker who lives what she teaches. Her inspirational story reminds all of us that we don’t have to fall prey the debt dragon. Living debt free is possible if you follow Lowe’s sound and practical wisdom."

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