From guilt gifts to panic buys: the truth about Christmas shopping

Those festive ads have you reaching for the tissues - and your wallet? Here's what's really driving us to splash out, and how to make sure your money goes on what matters this year.

Let’s be honest – we’ve all felt the pressure to spend at Christmas. Sometimes it’s about the deals filling our inbox, but often it runs deeper. We buy to show love, to make up for lost time, to create the perfect day we imagine everyone else is having. And yes, maybe we’ve all found ourselves getting a lump in our throats when *that* festive TV advert comes on too.

When Christmas gets to our hearts (and into our wallets)

The festive season stirs up all sorts of feelings. The supermarket ads make a tin of biscuits feel like the key to happiness, every shop window promises the perfect family Christmas, and before you know it, you’re buying things to fill emotional gaps that stuff can never really fill.

Then there’s the emotional maze of family and friends. Maybe we’re trying to rebuild connections that have drifted through generous gifts. Perhaps we’re filling an empty space at the table with extra treats, or buying presents for people we wish we’d seen more during the year. Some of us are even locked in the annual present-giving arms race with siblings (they got Mum bubble bath? Quick, grab that bumper chocolate selection box!).

Shops know exactly how to tap into all this:

  • Showing perfect family scenes that make our own lives feel a bit wonky
  • Hinting that expensive gifts mean stronger relationships
  • Making ordinary things feel like “essential traditions”
  • Using “buy now!” warnings to rush us into decisions
  • Playing ‘Walking in the Air’ from The Snowman for the millionth time

Taking back control: understanding our spending triggers

Here’s something that really works: before you spend anything, take a moment to understand what’s really going on. Make a list not just of what you want to buy, but why. Are you panic-buying because you feel bad about not visiting enough? Once you’ve been honest with yourself, you can start thinking about better ways to handle these feelings.

For instance, if you’re buying pricey presents because you feel guilty about being distant, could that money be better spent on train tickets for more visits? If you’re stockpiling decorations to recreate childhood magic, might calling your sister to reminisce about Christmas past mean more?

Keeping it Real: Your Festive Game Plan

  • Check prices, but also check in with your feelings
  • Write down what really matters to you this Christmas
  • Set realistic expectations (not everyone needs a luxury gift set)
  • Give yourself time to make decisions
  • Remember that presence beats presents

What actually makes Christmas special?

The best Christmas memories rarely come from shops. They’re about the time your dad fell asleep during the Queen’s speech, or your kids’ faces when they caught you eating Father Christmas’ mince pie. The warm feeling of being together matters more than the price tag on any gift.

This isn’t about becoming a Christmas Scrooge – it’s about understanding why we spend and choosing carefully where our money goes. Maybe that means focusing on creating moments rather than buying stuff. Or finding ways to show love that don’t empty your bank account.

Next time you feel the urge to splurge, take a breath and think about what you’re really hoping to achieve. If you’re spending to show love, remember that time and attention mean more than anything from a shop. If you’re trying to recreate past happiness, remember that new traditions can be just as special as old ones.

After all, when we look back on our favourite Christmas moments, it’s never about the things we bought. It’s the laughter, the conversations, and that warm feeling of being together that really makes Christmas special.

London Mutual Credit Union

Serving over 33,000 members across the London Boroughs of Southwark, Lambeth, Westminster and Camden, London Mutual is one of the UK's largest credit unions. Founded in 1982, London Mutual serves members across local government, the armed forces, healthcare and education.

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