Find free Christmas gifts and toys.

If you need free Christmas gifts, money for the 2018 holidays, toys or help finding presents for your children, you have several options available near you. the options include assistance programs from charities, churches and non-profits. Below are some of the resources that provide free Christmas gifts and toys for low income families with kids. There is also information on vouchers to pay for a portion of your shopping, ideas on how to obtain free money to pay for 2018 holiday bills, gift cards from retailers, and more.

Unfortunately it is fairly common for many families to be short of money around the holidays and they struggle to buy Christmas gifts as well as presents for their family. Parents often need help in paying for gifts, or they seek free toys for their child. It is a stressful and expensive time for many, in particular with the weak economy.

Many programs can help low income families, whether it is an agency that provides money for Christmas shopping or charities that provides assistance. Besides the traditional financing resources available, such as using credit cards or loans to pay for goods, there are other avenues as well as non-profit organizations near you that can provide help to struggling households. They support low income families as well as households that are in a emergency financial crisis. However it is always very important to sign up as early as possible for a free Christmas toy program as the demand for help from needy families is very high.

Christmas toys, grants and financial help from non-profit organizations, businesses, and charities

The organizations, charities and resources below will sometimes offer free Christmas gifts, toys and presents. Most of the assistance is targeted at children of low income as well as needy households. There may also be assistance given to single mothers so they can buy a gift for the child. However any families that are in need of help during Christmas should apply at one of these agencies near you.

 

 

 

 

Non-profit organizations operate in most states. Using donations from the community, as well as relying on volunteers, there may be free toys, gift certificates (which are really equivalent to money) and other items provided to struggling families. Other agencies such as Catholic Charities, St. Vincent De Paul, Urban League, or the Salvation Army run special Christmas assistance programs. More details on Christmas assistance programs.

Local churches. Throughout this site you will find lists of churches and charities to call for money to pay for Christmas toys or gifts. Even if a local charity does need offer the parent funds, they may still process applications for any number of free holiday gift giving programs. Or they may administer donation programs for your community. Find assistance programs by state.

The Salvation Army operates programs such as Angel Tree. This is a donation program in which new, wrapped presents are provided to children from families living in poverty as well as those in a financial crisis. All of the items passed out to the family will be free of charge, if the applicant meets the terms of the assistance program. Read more on the Angel Tree Christmas gift program and how to apply for the service.

Military Bases and Organizations. The free Christmas toy programs are for people of all backgrounds, whether they are in the military or not. One of the primary resources is Toys for Tots, and it is partly run by the Marine Corps in partnership with representatives from local communities. It is available in most communities, and the free Toys for Tots assistance program helps everyone from single moms seeking a free toy or gift certificate for their child to the unemployed.

Most military stations and local charity groups have a Toys for Tots type campaign. You need to contact your nearest Salvation Army or military installation for information on any type of free assistance that they can provide from this program. The registration for the giveaway of gifts will usually take place in September, October, or November. The focus is on giving free Christmas gifts to parents with children under the age of 14. The primary email address is mtftf@toysfortots.org, or find more details on applying for Toys for Tots.

Free clothing closets and low cost thrift stores. These non-profits that are near you may offer low to moderate income consumers free gifts, clothes or Christmas toys during the holidays. The inventory varies. Some may offer free vouchers, or money, so you can shop for exactly what you need at the thrift store. Get more information on clothing closets.

 

 

 

 

Free cash back for shopping online is offered by some companies such as Ebates, Fusioncash, Swagbucks and Inbox Dollars. There is no cost to sign up, and consumers can truly receive free cash back ranging from about 2 to 10% on their purchases from retailers such as Walmart, Target, Best Buy, and others. This type of resource will help the family reduce the amount of the bills they incur during the holidays. Click here for shopping rebates.

Some retailers, such as Toys R Us, Amazon or Wal-Mart, contribute to charities. People should inquire at a local state to see if this is an option. There are also toy donation or give away programs held by many charities as well as local businesses, and they will provide low income families with free Christmas presents, gift cards, and even money. Two of the primary providers include Salvation Army Family Services (which operates in most towns and counties) as well as the programs from Society of Saint Vincent de Paul.

Family, friends and neighbors. Ask them for help. Also be sure to return the favor to them when you regain self-sufficiency. It is very common for a grand-parent or aunt or uncle to provide a toy to a child, or maybe they can give the parent some free money so they can shop for a Christmas gift.

Local Catholic Charity affiliated churches may also be able to offer free Christmas gifts, vouchers, or money to use for shopping at a second hand store. Most major towns and counties have one of these groups operating in their community. The charities may offer free items from a thrift store to very low income families or the unemployed. Other lower to moderate income families may need to pay a little money for a Christmas gift for their child, but the stores that that tend to be available to the public and they will have very competitive prices. Find assistance from Catholic Charities.

Another mostly national organization with free Christmas presents, toy programs, clothing, and more is the Assistance League. There are hundreds of different locations, and each one of their programs may go by a different name. There may be free gift certificates or cards, money, or vouchers from Santa’s Closet, toys from Operation Christmas, and much more. Find additional help from the Assistance League.

Sometimes the family needs a free meal or box of food at Christmas. There are programs that focus strictly on that need as well. They try to feed low income families, maybe serve a dinner, or some charities even through parties in which gifts, money, and groceries may be given too to attendees. Find charities to contact for free meals at Christmas.

Ask for help from a non-profit or a local charity near you, but be sure to sign up for a free Christmas present early as the programs operate on a first come-served basis. Your request for money or any other form of financial help will be kept confidential. In rare cases, if you do not live near a Christmas toy or present distribution site, it may be possible to get free Christmas gifts sent in the mail. If they do not have resources available, then check in with family, your friends, relatives, and neighbors.

 

 

 

Find help for the 2018 holidays from loans and credit agencies

In addition, if you would rather obtain a loan or a line of credit in order to do your Christmas shopping, but maybe you have poor credit scores, here are some options to consider. Note this approach should generally be a last resort. You should always explore some of the free Christmas assistance programs that give out gifts first. But if you insist on borrowing money, here are some suggestions for taking out a low cost holiday loan, starting with our highest recommendation. Anyone that does borrow some extra money around Christmas needs to be sure to pay it back as soon as possible after the holidays.

Refinance your auto Loan - This is another up and coming way to both save money on your payments and to also get cash out of the principal on your car. The funds can be used to pay for Christmas gifts as well as other holiday shopping. The monthly savings you experience will really amount to free money that can be applied to paying any number of bills. In addition to receiving an equity cash loan as part of the refinance you can also lower your current loan's interest rate and/or monthly payment on your car.

Take out a low interest salary advance loan from a credit union, peer to peer lender, or a payday advance lender. As noted though, this is a very risky way to borrow. From these options, a peer to peer or a salary advance loan will usually have the lowest interest rate. However any of these offerings should only be used as a last resort when seeking extra money at Christmastime. Note that for anyone looking for a few extra dollars, peer to peer and salary advance loans are becoming a better option than a more traditional payday lender. Find a list of payday loan programs.

Free, zero interest loan programs do exist. Money can be provided from a number of sources, ranging from churches to community action agencies. the funds can be used to pay for Christmas gifts, help parents pay bills or obtain presents, and can address other financial obligations. The reason these are called free loans is that the money will be provided with zero interest and no fees. Families can buy anything with the funds, such as clothing, Christmas toys, and more. Read more about free loans.

Get a guaranteed, approved credit card that pays a rebate on all of the transactions made. You just need to use the card when you make your everyday purchases throughout the course of the year, not just during the holiday season. These types of credit cards that pay out a cash rebate when you shop can be very helpful during Christmas. They will reimburse you with either credits for future transactions or some will directly provide the customer with money that can use used for Christmas gift shopping. The card may give assistance in the form of a rebate of up to several percent of your purchase price.

 

 

 

 

So if you say spend $50 per week on your groceries, you can receive a rebate on the account of up to 5%, or $2.50, which is technically free cash. That money can then be used to buy Christmas toys for your kids. Use this type of rebate card year round. This extra money can build up over the year and allow the family to have extra funds for their Christmas present shopping.

However they may have limits where you may use the card or they may cap the amount of money that is rebated to you. Typically, these credit cards will also offer consumers access to additional savings from a select catalog. If that is not an option, they will fulfill online orders for merchandise or any Christmas gifts that are bought from a specific group of vendors or stores. Read more Best Credit Cards for holiday shopping.

Need Additional Free Programs at Christmas?

There are other holiday and free Christmas programs available for struggling families. Find lists of resources. Or send an email request to info@needhelppayingbills.com. Be sure to include your state. As there are a number of agencies that may provide free toys, gift cards, and other help at Christmas. Or visit or register in the community forum (the link is on the lower right margin) and we will reply to your message for holiday assistance there.

 

By Jon McNamara

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