First Communion costs

Preparing for a First Holy Communion is an exciting time but with so many things to consider, the costs can add up quickly. We have some tips to help you keep track of your spending:

Start with a budget

  • First step is to work out how much you can afford to spend. Work out a realistic budget, making a list of everything that you have to buy, such as the outfit, accessories and shoes. Then decide how much you are going to spend on each item and stick to it. Keep track of all your spending to make sure you don’t overspend
  • If you are using your credit card to pay for some of the costs, have a plan as to how you will repay the money. You can check out our credit card cost comparison to see how much interest you will be paying. You can also use our clearing your credit card tool to see how long it will take you to pay off the balance on your current card or switch the debt to another card
  • Remember, if you do need to borrow money, different lenders charge different interest rates. For example, interest rates on moneylenders’ loans are typically higher than a bank or credit union. Never borrow from an illegal moneylender and make sure any moneylender you deal with is licensed by the Central Bank of Ireland. If you’re not sure, look up the Central Bank’s Register of Moneylenders
  • Start saving – it’s never too late. Even if you have not started saving for a First Communion this year, it’s not too late to start putting even a small amount of money aside. And if you have one coming up next year, now is a perfect time to start planning how much you could save every month
  • Try to avoid borrowing money for the expenses, if you can. Remember, you will have other expenses such as back-to-school costs that you will also need to budget for later in the year, so try not to get into debt for just one day

Planning your day

  • Check to see if a family member or friend who is celebrating on the same day would be interested in sharing the cost of a party or event with you. If money is tight, consider something simple – maybe a nice picnic in one of our many public parks or woodland areas. Another option might be to ask your child what they might like to do with just the immediate family – maybe a trip to the Zoo or the cinema
  • On booking a venue, remember if you pay a deposit for something and the shop or seller goes out of business, it may be very difficult to get the goods or your money back. It’s a good idea to research the company online to make sure it’s reputable before you hand over any money. If you need to pay a deposit, only pay a small amount if possible and use your debit or credit card rather than paying cash. This may allow you to request a chargeback on your card if the company goes out of business
  • Most deposits are non-refundable so if you pay a deposit and then change your mind about the product or service, the supplier does not have to return your deposit
  • Maybe you have decided to hold a party at home. If you are co-hosting the event with other families whose children are also having a Communion, agree between yourselves to each bring something to the party like a starter, main course or dessert. Agreeing this in advance will help share the cost and the work
  • Use our money savings tips to help you save on your grocery shop. Being organised will save you money
  • Now is a good time to watch out for deals, whether it is for food, drink, clothes or restaurants
  • If you are looking to buy a communion outfit, keep an eye out on for sales, or maybe a friend or family member has a communion outfit that their child no longer needs.
  • Offer your friends and family the outfit or accessories from your child’s communion if they are in good condition and you no longer need them
  • Now is the perfect time to teach your child about money and the importance of saving. A good starting point is to get your child to open a savings account with their communion money. Banks, credit unions and the Post Office offer kids’ savings accounts. Encourage your child to put a little aside regularly by helping them set them a goal to save for
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