CHRISTMAS SAVING TIPS
Wit. ITH the countdown to Christmas well and truly now underway, thoughts turn to how you are going to finance
Did you get your credit card bill in January and say to yourself ‘next year I’m going to be more organised?’
Well even if you haven’t put money in a jar over the year, now is still a good time to get ready for Christmas without breaking the bank or your sanity.
Here’s some handy Christmas tips that you can put into place right away to ensure you have a happy and affordable Christmas.
Save on wrapping paper
Pick up wrapping paper from discount stores, or save gift bags over the year so you don’t need as much.
Days after Christmas you’ll see wrapping paper heavily discounted, so grab some and stock up for next year.
Instead of buying gifts for all your family and friends, get together and suggest a Secret Santa.
Set a gift limit and you only have to focus on one meaningful gift.
Make a list
Make a list of items you need to purchase and stick to will prevent you making impulse purchases.
Write a budget
Work out how much you can afford to spend on Christmas and stick to it.
If you lay-by larger gifts a few months before Christmas you can really reduce your December spend.
Give meaningful gifts
Kids could give parents 50 sessions of dishwashing, laundry or other household chores.
Give family members babysitting sessions or even lawn mowing.
Put away the plastic
Last year most Aussies spent on average $1000 on Christmas. If you feel you can’t trust yourself with a credit card at Christmas, either reduce your credit limit or try to pay for items with cash.
Alternatively leave the card at home or with a friend when shopping.