BUDGET FOR CHRISTMAS
Everyone knows Christmas is the most expensive time of the year, but it doesn’t have to be! To make sure you don’t overspend on presents, food and drink it’s important to plan ahead. Making a list of presents you are going to give, and ticking them off as you get them will avoid getting more than necessary. As for food and drink, it’s easy to over-indulge at Christmas time but try and make sure you’ve got everything you need and not much more, splitting all meals into portions to avoid mass leftovers. Your wallet and waistline will thank you.