Season Pass · Christmas 2026
Christmas money
Christmas Day is a Friday this year, and Black Friday is 27 November. Here’s how to plan it without the January hangover.
Your gift list
Saved in this browser only.
TL;DRSet the budget per person before you shop. It’s much easier to stick to a number you chose calmly.
Gifts total—
Food, travel and extras—
Put aside each week until Christmas—
— weeks to go · total —
Black Friday and BNPL
27 Novis Black Friday 2026. Prices on the day aren’t always the lowest of the year, so check a price history before you buy.
15 JulBNPL has been regulated by the FCA since 15 July 2026: affordability checks, clear terms, and the Financial Ombudsman if something goes wrong.FCA
Janis when the later instalments on Christmas BNPL buys land. Add them to your January budget before you click.
TL;DRBNPL is safer than it used to be, but it’s still borrowing. The payments arrive in January, when money is tightest.
Your rights on Christmas shopping
| Situation | Your rights |
|---|---|
| Bought online, changed your mind | You usually have 14 days to cancel after the item arrives, then 14 days to send it back. |
| Faulty item | You can reject it for a full refund within 30 days. |
| Changed your mind in a shop | No legal right to return — it’s down to the shop’s policy. Many extend returns over Christmas; ask for a gift receipt. |
| Paid by credit card, £100–£30,000 | Section 75 makes the card company jointly responsible if something goes wrong. |
| Paid by debit card | You can ask your bank for a chargeback if goods don’t arrive or are faulty. |
TL;DROnline buys come with a cooling-off period; shop buys don’t. Keep receipts and gift receipts until January.
Your 5-minute move
Make it a pot
Turn your Christmas total into a weekly pot, alongside your other savings goals.
Receipts · checked 9 November 2026