Christmas budgeting tips.

As the festive lights twinkle and carols fill the air, the hustle and bustle of Christmas shopping takes centre stage. Amongst the Christmas chaos, distinct spender types emerge, each with a unique gift-giving approach.

What kind of Christmas shopper are you?

The Present Procrastinator

Could this be you?
Always find yourself running around your local high street on Christmas Eve? Do you find it easy to get so swept up in the pre-Christmas fun that you forget what the holiday season is really about (the giving!)? You are the present procrastinator. One day, you’ll learn!

There’s hope for you, yet.
Embrace the chaos and set a budget for your eleventh-hour spree. Remember, the thought counts... and maybe a dash of wrapping paper. It's a little late this year, but our Pots feature will be up and running in January 2024, giving you plenty of time to put a little money away for Christmas next year.

The Organised Elf

Could this be you?
Is your Christmas list checked off by the time the decorations are up? People love to hate on the organised elf, but when it comes to the week before Christmas, and everyone else is pushing through the high street crowds, they’ll wish they were you. You have a list of what you plan to get everyone, and you most definitely have checked it twice.

There’s hope for you, yet.
Keep your friends in financial check! You have probably already budgeted and organised your mid-year getaway using a debit card that charges zero fees when spending abroad, so make sure your mates are just as financially savvy as you. You've planned so well; you might as well plan their future, too!

The Christmas Splurger

Could this be you?
You love treating your loved ones with bougie gifts, so you need that early payday in December to come as soon as possible! Who said making people happy was a crime, right?

There’s hope for you, yet.
To ensure you don’t stretch too far into next year’s funds, make sure your bank is making your money work as hard as possible! With a top-tier 4.35% AER* interest rate, our current account means your money goes further.

*4.35% AER/4.27% Gross (variable) interest on current account balances up to £500,000 paid monthly.

The Scrooge

Could this be you?
Gift-giving isn’t your love language, and you see the holiday season as (dare we say it?) overhyped. Your friends and family know not to put out their stockings in the hopes of a gift from you this Christmas.

There’s hope for you, yet.
How about surprising them this Christmas with a gift that only requires a few taps on your phone? Refer friends to Kroo, and you can earn up to £100!* You’ll receive £10 for the first 10 friends that successfully open a current account with us and spend with their card, and they’ll get £10, too. Plus, we’ll plant 2 trees on their behalf.

*T&Cs apply, visit kroo.com for more information.

The Savvy Shopper

Could this be you?
You know where to find the best bargains, you are no stranger to Black Friday sales, and you won’t let your Christmas shopping break the bank.

There’s hope for you, yet.
Chances are your bank account already gives you a stellar deal, so why not share the love and let your friends in on tricks of the trade? The gift of understanding how you can earn high interest on your deposits is priceless.

No matter where you fall on the Christmas spending spectrum, 'tis the season to spread joy and cheer. We all have our way of approaching Christmas spending, and with a current account that has your back, you've got everything you need to navigate the festive financial frenzy.