Cost of Living at Christmas with cancer
Updated: 2 November 2023
We know that the festive period around Christmas and New Year can feel overwhelming for many. The rising cost of living means that many people affected by cancer have tough choices to make this Christmas.
In this blog, you'll find practical tips and advice to help support you and your loved ones. If you need extra support during this time, we're here for you.
Are you worried about money?
Christmas and New Year can be a difficult time of the year financially. If you're finding money a worry, it can help to review and plan for your everyday spending.
Below are some tips that may help.
Christmas presents on a budget
Making a list or plan may help you to organise your spending. It can also help you see how much money you have to spend and where you might be able to save. Here are our tips:
- Get started with MoneySavingExpert's free budget planner tool.
- Prioritise essentials like bills, food and mortgage payments first, before buying any presents. Be realistic about what you can afford.
- Start budgeting early in the year.
- If you are worried about debt, StepChange provides support and guidance.
Christmas cost of living payments
It's okay to ask for help. If you are affected by cancer, there are a range of benefits which could help with the cost of living crisis and money worries. Try the following links:
- Our Cost of Living hub has more information on managing household bills, benefits guidance and emotional support.
- Our Understanding Benefits information gives advice about claiming benefits and explains how Macmillan can help with your questions.
- Citizens Advice offer information about debt, energy bills, benefits, housing and using a foodbank.
- Each year, The Salvation Army run a Christmas Present Appeal that provides gifts for children who might not otherwise receive a Christmas present.
"Something as simple as eating Christmas dinner with my children was like winning the lottery." - Clare
Celebrate in a way that works for you
Christmas can bring a lot of pressure to buy presents, and organise meals and family get-togethers. It is easy to compare ourselves to others, and feel like we have to meet certain expectations.
But it is important to remember that Christmas is just one day in a year and that you should spend it in a way that works for you.
What are some free or low-cost ways to celebrate Christmas?
Free events
Fun activities at home
Low-cost Christmas lunch
Discounted gift ideas
Clare, diagnosed with throat cancer
"I wanted to spoil my kids because I was so grateful for being there that Christmas, but I couldn’t afford it. The only way I could do Christmas was by popping bits of spare change into a jar.
I had some decorations from the previous year and my friend got me a tree. I made a lot presents, little baskets and hampers full of jam and little bits.
Something as simple as eating Christmas dinner with my children was like winning the lottery."
Coping with fatigue and side effects of cancer
If you are going through treatment, symptoms and side effects may make it difficult to celebrate Christmas in the same way as before. You might find it hard to eat anything, or you might not have the energy to cook or entertain.
There is no right way to celebrate Christmas.
- Cancer charity Maggie's has some tips around planning Christmas when you have cancer.
- If you are worried about celebrating Christmas differently this year because of cancer treatment, we have information on talking to children about cancer.
How to talk to loved ones about what you can afford
Talking about money can be difficult.
But if you have cancer, you might have new or unexpected costs. You might need to stop working, have higher energy bills to keep warm, or need to travel to appointments.
By being open, you may find others feel the same way as you. It may help you plan ways to celebrate Christmas at a lower cost, or plan free activities to mark the occasion.
- The MoneyHelper website for guidance around how to talk about money.
Looking after your emotional wellbeing
Money worries and Christmas can impact your mental well-being. This can affect you if you have just been diagnosed with cancer, or if you are caring for someone having treatment.
If you are struggling to cope, it may help to reach out and speak to someone about how you are feeling.
If you would like to talk, you can:
Call us
Email us
Speak to others on the Online Community
More resources
- Find out more about getting help with the cost of living
- If you need bereavement support, you can contact Cruse. Their helpline will be open during the festive period and is free to call at 0808 808 1677.
- If you are in a crisis and need urgent support, please call the Samaritans Hotline on 116 123. The helpline is free to call and available 24 hours a day, 365 days a year.
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About our information
This information has been written, revised and edited by Macmillan's Digital Content Editor team and checked by Macmillan's Cancer Information Development team.
Learn more about our Digital Content Editors and how we produce our cancer information.
About the author
Kerstin Felton
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