Money expert reveals how to save £200 this half-term

According to personal finance experts at thimbl.com, winter half term often becomes one of the most expensive weeks of the year for families, not because of big trips or holidays, but because of bad weather, childcare pressure, and day-to-day “survival spending”.

While summer holidays are planned, budgeted for, and spread across several weeks, February half term is often tackled on the fly, and that’s where costs could spiral.

"Parents expect summer to be expensive, so they plan for it", says Joe Lytwyn, a personal finance expert at thimbl. "But, unlike summer, February half term comes with a perfect storm of hidden costs. The weather is often cold, wet, and unpredictable, ruling out free days in the park or garden. That pushes families towards paid indoor activities such as soft play centres, trampoline parks, the cinema, or swimming pool, many of which could cost around £10 - £20 per child per visit."

Many parents save both annual leave and formal childcare for the longer summer break, meaning February is often covered with ad-hoc solutions: juggling work from home, calling in favours, or paying for last-minute childcare and holiday clubs.

Joe adds: "More meals are eaten out because routines disappear, and for parents combining childcare with work from home duties, the cost of snacks and treats throughout the day can soon add up. It’s natural and very common for an increase in spending driven by stress and exhaustion."

Joe estimates that for many families, the February half term can add around £200 in unplanned spending, which in some cases rivals or exceeds what parents spend across several weeks of summer holidays.

"In summer, parents might book one big holiday or a few planned days out”, Joe explains. “In February, spending happens in small, repeated bursts of £15 here and £25 there, and that can be much harder to track."

Because these costs feel minor in isolation, they’re often paid for without much thought, only to surface later when parents sit down to review what they’ve actually spent.

Simple ways parents can cut half term costs

Rather than telling families to cancel plans altogether, Joe says small changes can significantly reduce the financial hit, without ruining half term.

1. Set a daily family spending limit

Instead of budgeting per activity, set a simple daily cap covering food out, snacks, and activities. Once it’s gone, the rest of the day is free. "This stops one expensive day turning into five”, Joe says.

2. Limit paid activities to two days

Parents often feel pressured to make every day ‘special’ - but special doesn’t have to mean spending money. Sticking to two paid days out across the week can save a lot.

The remaining days could be centered around cheap and cheerful activities such as films at home, local walks, crafts, or free library activities.

3. Stick to packed lunches

One of the biggest half-term money leaks is food. Families often abandon packed lunches and buy meals out by default.

"Commit to one café or takeaway day, not five", Joe suggests. "Even on days out, packed lunches make a huge difference."

4. Create a ‘boredom buffer’ before half term starts

If you're able to, you might consider setting aside £40 - £50 as a boredom buffer, allowing for one emergency activity or treat without guilt, and without opening the spending floodgates.

5. Use cash to slow spending down

Joe also suggests using cash for day-to-day half term spending where possible.

"Withdrawing a set amount at the start of the week makes spending visible. When the cash is gone, it naturally forces a pause, which is exactly what’s missing during hectic half-term days."

Parents are more likely to rethink impulse spending when they can physically see the money leaving their wallet, rather than tapping a card repeatedly.

"This is about awareness, not blame", Joe says. "Once parents realise February half term can be as expensive as a summer break, they can plan for it properly."

"The good news is kids don’t measure fun in pounds and pence; they remember the simple things like quality time and laughter", Joe adds. "Your bank balance will thank you for reminding yourself of that."