The hidden cost of Christmas

For families like the Rutter family, budgets are tight. And Christmas costs put families under pressure. Mum, Shelley, created what she calls a 'budget binder' to combat the rising costs of food, and keep strict control of their spending.

Shelley and her husband, Ethan, have four children: Brooke, 12, seven-year-old Sophia, and twins Harry and Oliver are five. With the twins' birthday arriving just a month after Christmas, it's a particularly expensive time of year for them.

The cost of living crisis has increased financial pressure for many, and during the holidays it becomes more difficult to make money stretch.

Thanks to the support of people like you and Nationwide, our Secret Santa campaign meant we were able to bring some festive magic to the Rutter home last Christmas.

Last Christmas, an Action for Children service worker brought gifts to the Rutter family's home for their children.

Harry and Oliver had some toy dinosaurs, a football, and colouring books to open on Christmas morning. For their sisters, Sophia received Barbie dolls, and the oldest Brooke got a Bluetooth speaker and some body wash.

Shelley reflected on how grateful they all were for the surprise.

By making a Christmas donation and joining our Secret Santa campaign, you could bring festive magic to a child who needs it.

Or, you could choose a virtual gift like a trip to visit Santa, or a Christmas present for a child.

Thanks to people like you, families like the Rutters could have unforgettable Christmases. Become a Secret Santa, and you could make a difference.