HOW TO BUD­GET FOR THE SILLY SEA­SON

AS THE YEAR COMES TO A HALT AND CHRIST­MAS IS AROUND THE COR­NER, MANY OF US LOOK FOR­WARD TO A (MUCH NEEDED) BREAK TO WIND DOWN AND SPEND TIME WITH THOSE WHO MAT­TER.

Highfields' Own - - Finance -

This can be a great time to re­flect on the year that has been and start think­ing about a fi­nan­cial strat­egy for the year ahead, says Loan Mar­ket. The silly sea­son can get pricey. Christ­mas gifts, par­ties to at­tend, new out­fits for the oc­ca­sions and — for those who go away — the cost of travel, food and ac­com­mo­da­tion.

Here are some ways to help with the bud­get. CURB YOUR SPEND­ING It’s easy to get car­ried away spend­ing, dur­ing this time of year.

Try to not spend un­nec­es­sar­ily so that when the sea­son is over, you won’t be left with hav­ing to re­cover from a big fi­nan­cial dent.

Hand-made gifts and in­ex­pen­sive meals are just some ways to keep you on track. STICK TO YOUR BUD­GET The end-of-year break can be a dif­fi­cult time to ap­ply fi­nan­cial dis­ci­pline so plan out a bud­get, out­lin­ing what can be spent over this time and stick to it.

You may be tempted to go over bud­get in the spirit of celebration, but think­ing of the big­ger pic­ture will see you be thank­ful once the party’s over.

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