35 Easy Ways to Get Free Money for Christmas [Updated for 2023]

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Last Updated on September 30, 2023 by Rebecca Lake

Looking for free money for Christmas?

The holiday season is an expensive time of the year for many families. During the 2022 holiday shopping season, Americans spent $936.3 billion, according to the National Retail Federation.

Spending that much could easily put a strain on your household budget. Having been a broke single mother, I know what it’s like to try and plan a fun, frugal Christmas when you don’t have a lot of money.

Finding extra money to pay for Christmas can make it easier to have a great time during the festive season with less stress.

So today, I’m sharing some of the best ways to get free money for Christmas without much work, including options for needy families on how to get financial assistance during the holiday season.

Best Ways to Earn Free Money for Christmas

Many of the easiest ways to get free money for Christmas involve doing simple tasks or things you might already do every day. You can also look for financial assistance for single moms and families from local churches and nonprofit organizations.

And if you’re looking for ideas on how to create extra income for the Christmas holidays, you might explore free money hacks or holiday side hustles.

Here are some of the best (and easiest) ways to get free money for Christmas in your spare time.

1. Complete surveys for money

Online survey sites can pay you real cash or gift cards simply for sharing your opinions or doing easy tasks. You can make free money for Christmas from your mobile phone, tablet, or laptop and it doesn’t take up a lot of time.

That being said, not all survey sites are created equally and some pay more than others. If you’re looking for a reputable survey site that pays well, consider signing up for Survey Junkie.

Survey Junkie is a market research company that pays you to complete simple surveys online. When you sign up for Survey Junkie, you can earn anywhere from $0.05 to as much as $500 per survey, just for sharing your opinions.

It’s free to create a Survey Junkie account. Once you reach the $5 minimum payout threshold, you can withdraw your earnings to your bank account or PayPal.

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2. Join an online focus group

Focus groups share feedback on products or services before they’re launched to the general public. It’s similar to getting paid to take surveys but you’re doing more than just answering a few short questions.

Traditionally, focus groups would meet in person but it’s possible to join online focus groups to make free money for Christmas from home.

Respondent.io and User Interviews are two of the top online focus group platforms. You’ll need to fill out an application to join either platform, but both have great earning potential if you’re looking for easy ways to make money for the holidays.

Join Respondent – The typical focus group participant earns $140 per hour.

Join User Interviews – Focus group participants can earn $50 to $100 an hour on average, though some studies pay as much as $200 per hour.

red piggy bank christmas tree
Get Free Money for Christmas

3. Earn cash back while you shop

Completing your holiday shopping may be one of the chores you dread most. But you can turn it into an opportunity to earn some free money for Christmas expenses.

How? Cashback apps are the answer.

Rakuten, for example, pays up to 40% cash back when you shop online or in stores at partner merchants. It’s free to create a Rakuten account and you can also take advantage of special coupon codes and discounts for added savings.


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Some of my other favorite cashback apps include Drop and Dosh.

The best part about using cashback apps to earn free money for Christmas is that you’re not just limited to one. You can download multiple apps to make sure you’re not missing out any opportunities to get some cash back on purchases.

4. Earn free money from sign-up bonuses

One of the easiest ways to get free money or Christmas is to qualify for sign-up or welcome bonuses. You could make $100 or more just for downloading free apps and validating your email address.

Here are some of the best mobile app options for earning free welcome bonuses:

  • RakutenNew members can earn a $10 signup bonus with $25 in qualifying purchases
  • InboxDollarsGet $5 free when you download the app and confirm your email
  • Swagbucks New users get a $5 $10 sign-up bonus
  • OpinionInnEarn a minimum $10 welcome bonus when you download this survey app
  • MyPointsGet a $10 bonus when you join MyPoints and start earning free gift cards
  • Tada – Get a $15 bonus when you create a new account

You can also earn an introductory bonus when you open a new credit card. For example, you might apply for a cash-back rewards card with a $200 welcome bonus.

While that sounds tempting, it isn’t exactly free. You typically have to meet a minimum spending requirement to qualify for the bonus. So that’s something to keep in mind if you’re hoping to avoid holiday debt.


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5. Make easy money with referral bonuses

Not only can you get free money for Christmas from welcome bonuses, but you can also earn even more extra cash by referring friends and family members to those same apps.

You send your unique referral link or invite cost to friends and family. When they sign up for the app, you earn a referral bonus.

Here are some of my favorite apps for earning referral bonuses:

  • Swagbucks Earn 10% of what friends and family members earn with the app forever
  • RakutenGet up to $30 for each confirmed account you refer, with chances to earn as much as $40 per referral during special promotional periods
  • CashAppGet $5 for each friend you refer when they sign up and send at least $5 through the app

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6. Get paid to play games

If you love playing games on your phone that can be a great way to get free money for Christmas. There are a number of apps that will pay you for doing simple tasks online.

Swagbucks, for example, can help you make extra money by playing games or watching videos. You can also earn cashback from online shopping with the Swagbucks app.

And remember, you can get a $10 bonus when you create your new Swagbucks account. Plus, you can pile up extra cash from referral bonuses for each friend or family member who signs up using your unique link.

7. Earn money for reading emails

Getting paid to read emails is another easy way to get free money for Christmas. Apps like InboxDollars pay you money to read emails and/or complete offers inside the emails.

You can also earn money in other ways from InboxDollars, including:

  • Taking surveys
  • Playing games
  • Earning cash for grocery shopping
  • Getting cash back when you shop online

Remember, InboxDollars offers a $5 welcome bonus for signing up!

8. Get paid to grocery shop

Grocery shopping might not be your favorite thing to do, but it could be worth if it you could get paid for your time. The Tada app can help with that.

Tada pays up to 20% cash when you shop at partner grocery stores and supermarkets. It’s pretty simple; you just shop, scan your receipts, and earn cash back!

Plus, Tada sweetens the deal even more by offering a $15 introductory cash bonus.

You can also make extra cash for the holidays by shopping for others.

Instacart shoppers, for example, get paid an hourly rate plus tips for picking up groceries and delivering them. Becoming an Instacart shopper could be a great side hustle for making holiday spending money if you have a reliable vehicle and some spare time.

Head here to learn how to make money with Instacart.

9. Deliver food

Delivering food is another easy way to get money for the holiday season. When you sign up to become a DoorDash dasher, for example, you can earn an hourly wage plus tips for delivering food orders.

Just like with Instacart, you’ll need a reliable vehicle and some spare time to make money delivering food. But it can be a great way to get the money you need to pay for Christmas shopping without much effort or work.

Learn how you can make money delivering food with DoorDash.

christmas budget jar
Get Free Cash for Christmas

10. Get a seasonal job or side job

Retailers and restaurants always need extra help during the holiday season. If you have room in your schedule to take on a part-time job, that could be a great way to make extra money for Christmas.

You can also try doing gig work if you can’t commit to a set schedule each day. The Steady App is an excellent resource for connecting with short-term gig work in your local area.

You can search by zip code to find gigs that you’re suited for, based on your skills and experience. The average Steady App user makes an extra $5,000 a year on the side doing odd jobs locally.

Looking for a remote gig or work-from-home job? Virtual Vocations features remote jobs and at-home jobs in over 50 categories so you can find a role that fits your skills. Create a Virtual Vocations account and start browsing listings to find your next remote job!

11. Start a side hustle

Side hustles can be a great way to make extra money for Christmas or at any time of year. There are lots of ways to make money with side hustles, online or off.

For example, some of my favorite online side hustles include:

If you’re looking for ways to make money on the side offline, you might try

  • Pet-sitting or dog-walking (you can create an account with Rover to connect with pet owners locally)
  • Running errands for people
  • Doing yard work
  • Hanging Christmas lights or other decorations
  • Wrapping gifts
  • Getting paid to lose weight with HealthyWage
  • Selling seasonal and holiday baked goods

You can also look into fall side hustles to make extra money in September, October, and November.

12. Lower your bills

Finding extra money to pay for Christmas could mean taking a second look at your budget. If you can drastically reduce expenses, that can help free up money to pay for the holidays.

Some of the best ways to lower your expenses include:

  • Switching from a contract cell phone to a prepaid service
  • Finding ways to save on electricity, like installing a programmable thermostat
  • Switching to a bank that charges fewer fees
  • Eliminating unused streaming services

Those are all relatively simple fixes for saving money on bills. And if you’re struggling to find extra savings in your budget, Rocket Money can help.

With Rocket Money, you can:

  • Easily cancel unwanted subscriptions
  • Track your spending
  • Lower your bills
  • Track your net worth

It’s a simple way to cut out the fat from your budget so you can find more money to save for Christmas.

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It’s a simple way to build savings back into your budget every month, without getting nickel and dimed.

13. Make debt less expensive

Paying off debt can create some breathing room in your budget, but it’s not always easy to do. High interest rates can keep you from making a dent in what you owe.

Reducing the interest rates on your debts can help. There are a few ways you can do it:

  • Ask your creditors to lower your rates
  • Transfer high-interest credit card debts to a new card with a 0% APR
  • Refinancing debts with a low interest rate loan

Asking creditors to reduce your rates might seem like the easiest option, but they’re not required to cut you a break. If you’ve asked your credit card companies to lower your rates but hit a wall, you might consider a balance transfer instead.

Balance transfers let you move debt from one card to another, ideally at a lower interest rate. That could save you money on interest in the long run if you’re able to pay the balance off before the regular credit card APR kicks in.

Tired of throwing money away on credit card interest? Transferring high-interest rate credit debt to a card with a 0% APR could save you serious cash and help you pay off debt faster. If you’re ready to make your credit card debt less expensive, compare balance transfer card offers with Credit Sesame.

Refinancing debts is another way to create money from nothing to pay for Christmas. When you refinance, you can lower your monthly debt payments and potentially save on interest charges.

Upstart is a great option to consider if you’re looking for personal loans for debt refinancing and consolidation.

You could borrow up to $50,000, with low fixed rates and affordable monthly payments. And there are no prepayment penalties if you decide to pay your loan off early.


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14. Look for unclaimed money

It’s possible that you might have free money for Christmas waiting on you to claim it.

Millions of people have unclaimed money floating around. You might have an old bank account or retirement account you forgot about. Or there might be tax refunds you never collected.

You can use the following sites to check for any unclaimed cash that might be owed to you:

red piggy bank with santa hat
How to Get Money for Christmas

15. Sell things around the house

If you have extra items around the house you don’t need you could sell them to get quick cash for Christmas. Some great things to sell for easy money over the holidays include:

These are all things that other people may be looking to buy to give as Christmas gifts. And the best part is that while you’re selling off things to make money for Christmas, you can also declutter your house ahead of the holiday season.

Where can you sell your stuff? You might try any of these options.

  • Facebook Marketplace
  • Facebook bargain groups
  • Craigslist
  • Decluttr app
  • Wish
  • Mercari

Pawn shops are a good way to get cash for your valuable items fast. Some of the things pawn shops buy include jewelry, electronics, musical instruments, and gaming consoles.

You can look around for a pawn shop near you to find a local pawn broker.

16. Sell or donate plasma

Plasma donation is an unconventional way to get free money for Christmas, but it’s one you might consider if you’re healthy and have time to donate.

Some of the highest paying plasma donation centers pay between $20 and $50 per donation. Since you can donate twice in every seven day period, you could make up to $400 per month in free money this way.

You can search for a local plasma donation center near you and sign up to donate. Keep in mind that you’ll need to be aware of the medical requirements, which should be explained to you beforehand.

17. Open a high-interest savings account

Savings accounts can pay you interest just for keeping your money in the bank. Opening a high-yield savings account can serve two purposes: you can save money for Christmas and earn some free money at the same time.

If you’re looking for the best savings account options, online banks tend to outpace anything traditional banks can offer. Not only can they offer higher interest rates but they charge fewer fees as well.

You can also check out personal finance apps that offer online savings accounts.

With the Dave app, for example, you can earn a super competitive APY, with no hidden fees and no minimum deposit requirements. You can also use Dave to manage your budget or get a quick $500 cash advance when money is tight.


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Organizations That Offer Free Money for Christmas

If you’ve tried the different options for getting free Christmas money listed so far, but you still need some help paying for the holidays, there are lots of organizations that are willing to lend a hand.

Here are some of the places you might try to get free money for Christmas.

18. United Way

The United Way helps families to connect with the financial help they need in their local communities. United Way chapters can also run holiday assistance programs to provide financial relief at what may be a difficult time of year.

For example, the United Way Toys from the Heart program serves families with children under 18. Through the program, families in need can get help through the winter holidays, including:

  • Free gifts for Christmas
  • School supplies
  • Personal items for children
  • Free Christmas trees
  • Free food baskets for families

You can check with your local United Way to find out what kind of help is available to make your Christmas Day a memorable one.

19. Operation Santa

The USPS Operation Santa program helps people who want to give at Christmas connect with needy kids.

Parents can submit a request for toys through the program by having their child write a letter to Santa and submit it through the Operation Santa website. People who want to help can read through the letters and “adopt” a child for Christmas.

They purchase items from the child’s wishlist and ship them through their local Post Office branch. The Post Office delivers the packages with Santa listed as the sender as a fun surprise for kids. 

20. Toys for Tots

The United States Marine Corps runs the Toys for Tots program, which distributes free Christmas toys to children whose parents can’t afford the program. The program relies on toy donations from individuals and businesses.

If your budget is too tight to afford toys for Christmas, you can apply for Toys for Tots through your local chapter. Keep in mind that you’ll want to give yourself plenty of time to sign up since there are usually deadlines for receiving gifts through the program.

woman wearing a santa hat holding money
Get Cash for Christmas

21. Salvation Army

The Salvation Army provides financial help for low-income families and needy individuals who are experiencing hard times. For example, they can help with heat and electricity bills and the Salvation Army operates food pantries for low income families that need food assistance.

Your local Salvation Army chapter can also be a great place to look for Christmas help during the winter holidays. 

The Angel Tree Program provides financial assistance to families in the form of free Christmas gifts, school supplies, hygiene items and clothing for kids in need.

22. Catholic Charities

Catholic Charities is a network of charities across the country that’s headquartered in Alexandria, Virginia. Local churches can participate as part of the network to provide different types of help to needy families and individuals.

The kind of help that’s available to you will depend on where you live. But generally, you may be able to get food help or free Christmas toys for kids through your local chapter.

23. Society of St. Vincent de Paul

The Society of St. Vincent de Paul offers Christmas assistance to families and individuals who need help during the holidays. That includes providing toys to kids in need.

If the Society doesn’t offer Christmas help where you live, you can also look into other religious organizations. Here are some of the ones that provide aid to needy families. 

  • Love INC
  • United Methodist Church
  • The Episcopal Church
  • The Jewish Federation of North America
  • Lutheran Social Services

24. Boys & Girls Clubs of America

Boys & Girls Clubs of America sponsor a number of programs to help needy kids all year-round. During the winter holidays, local chapters can help kids have a merry Christmas by providing them with free toys.

You can reach out to your local chapter to see if there are any holiday toy drives in your area. If so, you can sign up to have your child receive toy donations through the program.

25. Christmas Spirit Foundation

The Christmas Spirit Foundation provides Christmas trees for military families through the Trees for Troops program. Trees are donated by individuals, tree farmers in local communities and businesses, then delivered to military bases around the U.S. and overseas.

This program doesn’t provide free money for Christmas to military families directly. But it could help you to save on the expense of having to purchase a Christmas tree if you live on a base where free Christmas trees are delivered.

santa piggy bank with calculator
Free Christmas Money

26. Santa’s Little Helpers

Santa’s Little Helpers is a Reddit community that’s dedicated to helping underprivileged children have a merry Christmas.

Individuals and families can join the Santa’s Little Helpers Reddit and share an Amazon wishlist of toys or other gifts they’d like their child to receive. Note that you do need to share your general location.

You can create a post telling your story and why you’re looking for Christmas help. “Helpers” can then choose to purchase items from your Amazon wishlist and have them delivered to you.

27. Prison Fellowship Angel Tree Program

Prison Fellowship helps to support families of incarcerated individuals during the holidays and all year-round. Some of the initiatives the organization offers include:

  • Free Christmas gifts for kids
  • Summer camps
  • Sports camps

The group also provides emotional support for families who are struggling with the challenges of having a loved one in the prison system.

28. Operation Homefront

Operation Homefront serves military members and their families through a number of different programs. One of them is the annual holiday toy drive, which aims to make sure kids and needs receive a gift at Christmas.

There are other ways to get help as well if you’re a military family. You can apply for assistance online through the Operation Homefront website.

29. Dream Foundation

Dream Foundation offers assistance to individuals and families nationwide who are facing end of life situations. During the holidays, the Foundation sponsors a toy program that provides gifts to children who are losing a loved one.

You can contact Dream Foundation for more information or apply for help online if you:

  • Have been diagnosed with a life-limiting illness
  • Have a life expectancy of 12 months or less
  • Are under a doctor’s care

30. Be an Elf

Be an Elf provides gifts to kids in need over the holidays across the country. The organization is a network of volunteers who adopt needy kids at Christmas through the USPS Operation Santa program.

To apply for help, kids just need to write a letter to “Santa” and mail it in to Be an Elf at this address:

Santa Claus
123 Elf Road
North Pole 88888

31. Assistance League

Assistance League offers help to families and individuals across the country, which can include help at Christmas.

You’ll need to have a local chapter in order to get help. There are also programs that will help adults in need all year long.

Pro tip: If you need to buy some discounted gift cards, check out Gift Card Granny. You’ll find a huge selection of discounted cards and choose from physical cards or e-delivery. It’s a simple way to find the perfect gift without leaving home!

Other Ways to Get Free Money for Christmas

Still need a few more ideas on how to get money for Christmas? Here are some other options you might try.

32. Local businesses

Local businesses can sponsor assistance programs at Christmas for families who need help to have an enjoyable holiday.

For example, there’s a local car dealership in our town that collects toy donations each year and distributes them to area families in need. Other local businesses do bike drives where they collect new bikes for needy kids of all ages.  

You can check out Facebook pages for local businesses or look for flyers or signs while you’re visiting them to see what kind of Christmas assistance might be available.

33. Local churches

Local churches often have Christmas assistance programs to help families in need. The kind of Christmas help you might be able to find includes:

  • Food baskets
  • Free Christmas toys for kids
  • Free Christmas trees
  • Help with utility bills

A simple zip code search can help you find local churches near you that offer Christmas programs for families who need help.

34. School programs

Your child’s school may sponsor programs or coordinate with local charities and businesses to offer Christmas help. That can include free gifts for kids, school supplies, backpacks, clothing or holiday meal packages.

You can contact your child’s school to see what help might be offered and how to apply.

35. Local community organizations

There are many community organizations that offer financial assistance at Christmas, so it may be a good idea to see what kind of help is available in your local area.

Some of the organizations you might contact for help include:

  • Lions Club
  • Kiwanis International
  • Rotary Club
  • Loyal Order of Moose
  • Veterans of Foreign Wars (VFW)
  • Shriners TEmplate

You can do a simple Google search to find local agencies that offer free money for Christmas or other forms of holiday help near you.

christmas budget
Need Free Money for Christmas

Free Money for Christmas FAQs

Does Samaritan’s Purse offer Christmas help for needy families?

Samaritan’s Purse is a charitable organization that funds a number of assistance programs for people in need. Operation Christmas Child delivers Christmas presents to underprivileged children around the world. Unfortunately, this program does not extend to children in the United States, with the exception of Native American populations living in the western U.S.

How can I get free money for Christmas gifts?

There are a number of ways to get free money for Christmas gifts, starting with using some of the money hacks mentioned here to get cash without much work. You could also consider a seasonal job or Christmas side hustle to make extra income during the holiday season. And if you need financial assistance for Christmas, local churches, local businesses and local charities are all great places to look for help.

How can I make quick money for the holidays?

The fastest way to make quick money for the holidays may be selling things you no longer need. You can sell items to a local pawn shop, on Facebook Marketplace, Craigslist, or local Facebook bargain groups for fast cash. For safety reasons, consider meeting up with your buyers in a public place or at your local police department.

Final Thoughts

The holidays may be some of the best times you spend with your kids since there are so many memories to be made. There’s nothing wrong with needing a little extra cash to cover the holiday season and fortunately, there are plenty of ways to get free money for Christmas.

And remember that while gifts are great, the holidays aren’t just about the presents. Good health and time spent with friends and family can be the best gifts of all.

Need more money tips? Read these posts next:

What are your best tips for getting free money for Christmas?

About Rebecca Lake

Rebecca Lake is a Certified Educator in Personal Finance, freelance writer and homeschooling single mom of two. Since 2014, she's paid off nearly $100,000 in debt and grown her net worth to seven figures. Her work has appeared online at top personal finance websites, including Forbes Advisor, Bankrate, Investopedia, The Balance, CreditCards.com and U.S. News & World Report. Find out more.

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