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Do you realise that uncontrolled holiday spending could lead to festive season stress that may leave you feeling disgruntled and unhappy at a time when other people are having the time of their lives? Here are some tips to help you prevent this from happening.
If there is one month a year that you really should live according to a budget, December is it! Take the money that you have available for this month and divide it into:
Tips for saving on presents
Once you know how much money you have available for presents, take the number of presents that you want to buy and divide that into the total amount. This will give you an idea of how much money you can spend per present. If you find that you have less money than you hoped for, you will just simply have to decrease the amount spent on each present.
Remember that Christmas and New Year is a season of goodwill and therefore it is not necessary to buy expensive presents. Thoughtful presents are usually much appreciated. Home-made presents on which you spent you precious time and energy may even be better received than presents bought at the most expensive shop in town.
Tips for saving on family outings
Taking a family of four on an outing may cost a pretty penny! And if you want to treat them more than once this festive season, you may find yourself in debt. So, what can you do to save costs?
Saving on the Christmas dinner
Keep your and your loved ones' weight in mind as you plan the Christmas dinner. Don't be tempted to supply a month's kilojoules in one sitting. In addition, try the following:
A good start
Try not to get into debt during December as you will definitely regret it, come January. Plan properly (i.e. make a budget) and stick to your plan. You'll find that it works. Exercise the same financial discipline in the new year and you will see a difference in your financial well-being.