12 Ways to Earn Extra Cash for Christmas


~ This article may contain affiliate links. I only suggest product or services I believe will benefit my readers. All opinions are 100% mine! ~

12 Ways to Earn Extra Cash for Christmas!

Welcome to the series Debt Free Christmas Challenge: 12 Ways to Earn Extra Cash for Christmas! We have a lot of great things to share with you every Monday over the next 12 weeks.

The goal of the Debt Free Christmas Challenge is to give you legitimate ways to earn extra cash, cut back on spending, and save on gift giving.

If you are struggling financially some of these little tips will help you earn some extra cash to get you through the holiday season.

You’ve decided to make a plan for Christmas cash and to stay out of debt! Yay!

Creating a Christmas Budget is the best way to keep track of your spending and staying within your financial means when it comes to gift giving this holiday season.

Decide how much you can spend this holiday season.

First take a look at your overall budget, do you have extra income you can use for gifts? Have you already been saving throughout the year for extras? You mainly want to make sure that you don’t dive into your savings accounts emergency fund, or rack up bills on your credit cards to cover the cost of Christmas.  We are going to be sharing several ways you can quickly earn extra cash for Christmas so keep that in mind.

You mainly want to make sure that you don’t dive into your savings accounts, emergency fund, or rack up bills on your credit cards to cover the cost of Christmas.

I am going to be sharing several ways you can quickly earn extra cash for Christmas so keep that in mind.

Make a List and Check it Twice (sorry! I couldn’t resist!)

Now that you have an idea of how much you can spend, make a list of all the people who you want/need to buy for.

  • spouse
  • kids
  • parents
  • siblings
  • extended family
  • friends
  • kids friends
  • teachers
  • postman
  • neighbors
  • and anyone else you can think of!

You can then decide how much you will spend on each person. Give each person a dollar amount. This will help you stay on track as you begin your Christmas shopping.

Another great way to keep you on track while Christmas shopping is to use a Christmas budgeting app. This makes it easy to remember how much you spend and how many presents you have bought. Last year I bought WAY too many gifts! I had forgotten some gifts that I had hidden in my closet…so those turned into birthday presents! But clearly, we didn’t need that many presents. The kids actually lost interest in opening gifts.

I don’t want to waste time, energy, and money this year. So I’ll be using one of these apps below to keep me on track!

2 apps to help you manage your Christmas Shopping Budget

  • Santa’s Bag – Christmas Gift List (iPhone/android) – Track Christmas gift ideas and set a gift budget for each person and mark them off as you buy. Cost is FREE.
  • The Christmas List for iPhone – similar to Santa’s Bag with a few different features, but cost $1.99

Finding Some Christmas Cash!

One of the easiest ways to get some extra cash for the holidays is to start by looking within your own budget. Where can you cut back on some things to save money for gift giving in December? 

  • Gym Membership you don’t use
  • Subscription box that is too expensive
  • Negotiate your cable bill
  • Update Amazon orders for a lower price
  • Look into switching cable services or change to Sling TV, Netflix, Hulu
  • Cancel services you don’t use regularly (Audible, Netflix, Hulu, Spotify, Pandora)
  • Change to a better cell phone service like Republic Wireless (pay $23/month for the same service you have now)
  • Combine Home and Auto Insurance for a better deal
  • Look for a better Health Insurance solution

Debt Free Christmas Challenge:

We are taking the 12 weeks before Christmas to create a Debt Free Christmas. January 1, after all the holiday crazy, you will be so glad you don’t have to pay for Christmas the rest of the year!

Week 1: Debt Free Christmas Challenge

Week 2: Make Quick Cash for Christmas

Week 3: Christmas Gift Giving Ideas

Week 4: Christmas Shopping Tips and Deals

Week 5: How to Save on Amazon

Week 6: Sell Gift Cards Online

Week 7: DIY Crafts to Make and Sell During the Holidays

Week 8: Ebates Shopping Tips and Tricks

Looking for more ways to earn financial freedom? Join our newsletter and get the FREE Mom Boss Tool Kit designed to help you start your journey making EXTRA INCOME over the next 7 days! Click the Pink Button >>> Sign Me UP!

Join the conversation…ask questions, find new job opportunities & ways to save, and encouragement! Click the pink button to join our Smart Cents Mom FB group!


Written by

  • Thanks for sharing this to us! I usually spend much money on presents and decorations when Christmas comes and it is such a waste! And now I have learned some tips to spend money reasonably even when I have many relatives in my family. I can also look for some discount in a few weeks before Christmas is really coming!

  • Wow! Your suggestion about the 2 apps is interesting. I don’t know that there are apps for this. Thank you! I’ll try by now. Christmas is coming soon. Wish you had lots of fun during preparation for Christmas.

Leave a Reply

Your email address will not be published. Required fields are marked *

CommentLuv badge