The Press and Journal (Aberdeen and Aberdeenshire)
Plan now to maximise the Christmas cash available
Get those festive finances in order now and your pennies may stretch further, says Vicky Shaw
It may be way too early for many people to want to think about Christmas – unless you’re one of those hyper-organised festive types who starts preparing almost a year in advance.
But right now could be a golden opportunity to do some planning, which will help you stick to a budget when the festivities arrive.
Leaving preparations until the last minute can mean paying top dollar, as you’ve no other choice.
So, whether or not you’re starting to feel even a bit festive, here are some tips for ways you could save some money now, to help make your budget stretch further when it’s time to celebrate...
1 See if you can grab a cheap train ticket
The savings can be huge by booking in advance – leaving more money to spend on “fun” stuff this Christmas. According to booking service Trainline, last year the UK saved a collective £21 million by booking their train tickets in advance, saving as much as £185.
Trainline’s advance train travel booking window is now open, with operators releasing their tickets for travel home this Christmas.
So if you’re planning to travel one of these routes, it could well pay to make sure you book well in advance – as many other people will be searching for these journeys too. Advance ticket release dates vary by operator.
To make sure you’re ahead in the queue and have a chance of reserving a seat, Trainline has a free ticket alert service, thetrainline. com/ticketalert, allowing passengers to input their desired journey and be notified by email as soon as it becomes available. There may also be discounts available if you’re travelling with a group over the festive season.
2 Make your shopping lists now
Once all the shops have Christmas music blaring out, it’s easy to get carried away and pile up your trolley with more stuff than you really need. To avoid mouldy food being thrown into the bin in January, plan what you really need to buy for the festive season as well as gifts so you’ll avoid overspending because you’re panic buying.
Also, before the pressure of Christmas shopping really hits, look out for food bargains on the supermarket shelves which could be put in the freezer to keep them fresh for Christmas.
3 Research the prices of the gifts you want to buy
Don’t just wait for Black Friday to look for price discounts – do your research now and shop around to see what prices are generally being charged now for the items you want. This will give you time to monitor prices over the coming weeks – and swoop in when they drop.
With retailers’ prices often going up and down like a yo-yo, some of the “bargains” available during shopping bonanzas such as Black Friday and Cyber Monday may not be as great a deal as they first seem. Websites such as alertr. co.uk allow you to track products and receive alerts when the prices plunge.
4 Make some extra cash ahead of Christmas
You could boost your budget by having a preChristmas clear-out and putting items up for sale on websites or taking them to car boot sales. Also, remember to make the most of retailers’ reward cards and cashback websites when you shop.
Switching your current account provider could be another way to make some easy cash.