5 Ways to Make Money Christmas Shopping

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You can make money Christmas shopping if you know what you're doing. I share some 5 great ways to make some extra cash during the Holiday season and beyond.

I hate going Christmas shopping. Heck, I hate shopping altogether, but I’ve accepted that it’s a part of life. It’s just something about fighting the masses and digging through the junk to find something of value that gets to me.

However, I like to find ways to turn things on their head so I can find value. With that in mind, I like to find ways to make money Christmas shopping. That’s right – making money Christmas shopping. Some of these ways might require a little more time than others, but if you do it right you can potentially come out of the Christmas season ahead as opposed to regretting the amount you spent.

Before I cover some of the ways to make money Christmas shopping I will mention that the wisest way to handle expenses like this is to plan for them. We budget for our Christmas expenses throughout the year so we have the money on hand when we need it as opposed to scrambling at the last minute.

Personal Shopping


I’ve not done personal shopping before, but have several family members who have done so. It can be a nice little money maker, especially if you’re efficient with your shopping time. You can charge either per hour or by the gig, though I’d tend to go with the per gig option as it could allow you to make more money in the long run.

This can be a nice little way to make money Christmas shopping because I know there are plenty of people like me who hate shopping. There are a variety of ways to get gigs doing this but have found that word of mouth tends to work best.

Use Credit Cards to Make Money Christmas Shopping


I know it seems counterintuitive, but if you work it right you can use your credit card to make some money during the Holiday season. We usually have a rewards credit card we’re churning at this point in the year so it makes sense to use our normal holiday spending to get cash back or fund a free trip.

If you’re a Chase Freedom holder, they have a special this quarter where all your Amazon purchases get you 5% cash back. There are other options to consider, it just depends on your situation. If you’re looking for other options along the lines of using a credit card to get some free travel or cash back you can get the Chase Sapphire Preferred which has a limited time only 50,000 Ultimate Rewards Points after meeting the minimum spend – not to mention a variety of other cards. You can find some of those rewards cards here.

Mystery Shopping


If you’ve not done mystery shopping before the basic gist is retailers pay money for you to go to a store undercover and report back on your experience. The payout varies from just paying for the specific service to a significant amount so it’s pretty variable.

However, with the season approaching it can be a nice way to make extra money before Christmas. If you can combine it with where you were going to go anyway then even better as you can kill two birds with one stone.

The nice thing about this option is that if you find that you enjoy it then it can be a nice way to make a little extra money throughout the year. The key to this though is being discerning so as to not waste time on jobs you may not get much back from.



Have you ever noticed that some stores give out receipts that are a mile long? I hate those and they’re just a waste of paper in nearly all cases. However, buried at the bottom of many of those receipts is a survey they want you to take. In many of those cases they’ll put you in some sort of drawing to win cash or a gift card.

Another option for surveys is taking them online. You won’t get rich quick on them, but it can be a nice way to make a little extra money during the holidays.

Survey sites, such as Opinion Outpost, ProOpinion, SwagbucksSurvery JunkieRewardTV and Ebates allow you to get $5 cash back just by signing up. You earn more through either taking surveys or shopping through their online portals.

You can make money Christmas shopping if you know what you're doing. I share some 5 great ways to make some extra cash during the Holiday season and beyond.

Selling Items on Ebay


We’ve sold a handful of items on Ebay in the past and made a little money doing so. If you have the time and can spot some deals you can make money Christmas shopping by snapping up the deal and selling the item on Ebay to make a profit. Just remember you do risk not being able to sell such items.

The key to remember in this is some stores will limit the number items you can purchase. I’ve heard this about Target and we saw it when we were at Disneyland last year. They were limiting sale of a certain Frozen doll, to five per person as they didn’t want people to buy them out and sell them for a profit. That aside, if you’re willing to put in the time and effort it you can make money Christmas shopping with this method.


What are some other ways you can think of to make money Christmas shopping? Do you set a Christmas shopping budget? Would you ever pay someone to shop for you?




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I'm the founder of Frugal Rules, a Dad, husband and veteran of the financial services industry. I'm passionate about helping people learn from my mistakes so that they can enjoy the freedom that comes from living frugally. I'm also a freelance writer, and regularly contribute to GoBankingRates, Investopedia, Lending Tree and more.


  • Myles Money says:

    I can’t say I’m a big fan of shopping anyway, but being forced to listen to The Little Drummer Boy everytime I hit town from late September till the end of the year is a real turn-off. Is it me, or does Christmas get earlier every year?

  • Nicola says:

    I’ve never heard of personal shopping before – I’d love to do that for someone! I wonder how I’d go about doing that…. hmm, thanks for making me think about it! 🙂

  • Laurie says:

    Love the idea of making money while Christmas shopping – I’ve never thought of that before! I’ve been thinking more and more about the mystery shopping thing – it could work out well for us if we time it while we’re in town anyway so as to save on gas costs.

  • Lauren says:

    These are great tips! I finished most of my Xmas shopping back in July, and I used the Barclay card to earn miles. We’re thinking about selling some things on Ebay this year, too.

  • I don’t know that I would want to spend enough time on Christmas shopping to make money from it – my instinct is to just buy everything online and call it a day, which is what I’ll be doing.

  • Need money for Christmas? Check out my donate plasma for money post! You can donate up to twice per week and they’ll pay anywhere from $20-$50 per donation! This is a great way to make a few hundred dollars for Christmas.

  • Ooo… I’m tempted to turn some of my good deals into eBay flips! I’m all done with my shopping but still making some ornaments I’ll give as gifts. That’s another way to make some spending money — make something that costs $1 in supplies and sell on etsy or holiday craft fairs.

  • Amy says:

    Great ideas! I love the idea of turning an expense into a revenue stream! 🙂

  • Tom says:

    Sounds like some really creative ways to make some money to fund the Xmas budget … can’t believe that it is coming soon!

  • I have been using my credit card for Christmas shopping for the last three years. Just last year, we had a free two-day stay at Marionette Hotel at Sydney. Isn’t it amazing? I hope I’ll pull like that one off this year. 😀

  • I have been using my credit card for Christmas shopping for the last three years. Just last year, we had a free two-day stay at Marionette Hotel at Sydney. Isn’t it amazing? I hope I’ll pull like that one off this year.

  • Kathy says:

    Here’s a huge surprise….Christmas comes on the same date every year! Actually, it should never come as a surprise but people still get caught with no savings for planned Christmas shopping. Hubby and I plan how much we will spend, divide it by twelve and put that amount away every month so when our credit card bill comes, the money is sitting there waiting to be used for payment. Plus, we use our cash back credit card so we get a little reward for having spent the money via credit card.

  • I don’t think I would ever pay someone to shop for me because I enjoy it way too much! I have done personal shopping for family before but would love to do it for pay! We do set a budget but don’t always stick to it. We save quite a bit at Christmas by joining the madness on Black Friday, watching for coupons on items we’re looking for, and by getting creative with home made items! It’s time it get busy and start listing on eBay!

  • Michelle says:

    I will spend time doing surveys if the reward can be justified for the time spent completing them.

  • Karen Smith says:

    Almost 56 and been without regular work for over a year. Don’t want to start all over again. During the summer I have yard sales selling items that I have purchased for a very good price in the stores here. I’ve had to have my phone and cable turned off. My internet is next. I just want an idea of something to do from home so that I can make another happy Christmas for my family.

    • Raylene Evans says:

      Take in babysitting, then be reliable as hell. Help them with their homework, that kind of thing. You’ll get word of mouth referrals and get more kids to babysit. Do that while you’re thinking about what else you can do.

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