It goes without saying that Christmas can be very expensive, it's easy to get caught up with all the excitement and merriment and go over the top and perhaps over spending somewhat. Debt can happen to us all, I speak from experience when I say that it is very, very, very easy to get into debt and find it difficult to get out of it. I've compiled a few tips that might help you not spend too much at Christmas and maybe save a few pennies too.
- Firstly, make a list and budget. Think about who you're buying for and set a budget per person or couple. I do alot of my shopping online so I'm not tempted to buy lots of extra gifts or items for myself!
- Buy things in the January sale! I know so many people do this but it's such a good money saver. For example I have some great Christmas cards to send that I bought in the sales last year for a fraction of their original cost.....brilliant!
- Black Friday!! Now I know some people may not like it but there does tend to be a fair few good deals on around this week. I've seen a few decent deals on electrical items, toiletries and children's toys so it's worth having a look.
- You could try hand making some gifts or items, there are so many ideas over on Pinterest for a homemade Christmas, plus it really adds the personal touch to giving them out as presents. Rope the children in and make an afternoon of it.
- Finally, if you have overspent and feel you may need a helping hand with finance's or you perhaps have a not so great credit score there are options available that can aid you, loans for bad credit could be the place to stat researching.
Of course the main thing to do is enjoy the holidays and Christmas time, it's the most wonderful time of the year!
* Collaborative content.