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Budget Christmas decorations in Australia: summer ideas that cost less

A family getting ready for Christmas at home

Christmas decorations can quietly blow a budget: a few new baubles here, a light set there, and suddenly it's a big line on the card statement. Decorating on a budget doesn't mean going without. It means setting a number first, reusing what you've got, making a few things, and buying smart for next year. This guide is built for an Aussie summer Christmas, with natives, outdoor setups and long-table lunches in mind.

The short version: set a decorations number before you shop, start with what you already own, add DIY and natural pieces, shop op shops and post-Christmas sales for next year, and save a little each pay so decorations don't come out of the grocery money.

Set a decorations number before you shop

Pick a dollar amount for decorations before you walk into a shop or open an app. Without a number, it's easy to say yes to every "it's only $10" item. To set yours:

  1. Pull out last year's decorations and see what you already have.
  2. List the gaps: a replacement light set, a table centrepiece, a wreath.
  3. Give each gap a rough price, then set a total that fits your overall Christmas budget.

A made-up example: a $60 decorations budget might be $25 for a replacement outdoor light set, $15 for craft supplies, $10 for a table runner and $10 kept spare.

Screenshot of the Christmas Planner app by SlateAndTally
The Christmas Planner app on a laptop. It also works on your phone.

Aussie summer décor ideas

DIY and reuse ideas

DIY isn't always cheaper. Craft supplies add up, so price your project before you start and keep it inside your decorations number.

A woman putting savings into labelled jars at home

Op shops and post-Christmas sales: buy for next year

Christmas Planner app by SlateAndTallyChristmas PlannerPlan Christmas, birthdays and events against one budget: gift lists per person, event costs and a savings countdown to the big day.See the app →Sinking Funds Jars app by SlateAndTallySinking Funds JarsSave a little each pay for the big bills you know are coming: rego, insurance, Christmas, school fees, holidays.See the app →

Where not to cut corners

Saving money is great, but a few things are worth getting right. Use lights only as their packaging says, indoors or outdoors. Keep candles away from foliage, curtains and kids, or swap them for battery tea lights. Turn decorative lights off when you go out or go to bed. Some are on timers, so check yours before you head off on holidays.

Add decorations to your Christmas budget

Decorations are easiest to afford when they're a planned line in your Christmas budget, next to gifts, food and travel. Divide your decorations number by the pays left before you buy, and set that amount aside each pay. A made-up example: $60 over 4 fortnights is $15 a fortnight.

Our Christmas & Events Money Planner keeps gifts, events and decorations on one budget, with a savings countdown to the big day. You can also try the Christmas savings per pay calculator, the Christmas budget planner template or our Christmas on a budget checklist. For the full plan, see the Christmas budget planner guide.

Christmas & Events Money Planner · A$45 one-off
Gift lists per person with budget vs spent, event budgets for food, travel and decorations, and a savings countdown to each event. It works offline in your browser, your data stays on your device, and there is no bank login. Secure checkout via Payhip.
See the Christmas & Events Money Planner app · A$45

Frequently asked questions

How can I decorate for Christmas on a budget?

Set a decorations number first, reuse what you own, make a few DIY pieces, use garden foliage, and buy only listed items at post-Christmas sales for next year.

What are cheap Aussie Christmas decoration ideas?

Native foliage wreaths from your garden, solar fairy lights outside, jar lanterns, paper chains, dried orange garlands and a simple greenery table runner.

How much should I spend on Christmas decorations?

There's no right number. Choose an amount that fits your overall Christmas budget after gifts, food and travel.

When is the best time to buy Christmas decorations?

Post-Christmas sales are a good time to buy for next year, as long as you stick to a list of what you need.

Are DIY decorations always cheaper?

Not always. Craft supplies add up, so price a project before you start.

Does the app need an account or bank login?

No. It works offline in your browser and your data stays on your device.

General information only, not financial advice. Examples use made-up numbers.