Highfields' Own - - Celebrations -

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.

Se­cret Santa

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.

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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.

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