With Christmas just around the corner, here are 5 tips to help plan ahead and avoid a financial hangover on New Year’s Day.

Think back to last Christmas and consider where the extra expenses came from. Was it petrol for the drive to the holiday destination? Gifts for new children in the extended family? Wine for the constant gatherings? And don’t forget the taxi fares for the journeys home from nights out.

However you look at it, Christmas is a pricey time of year. If the expense causes stress then the holiday period is ruined. Here are some tips to prepare for, and enjoy Christmas.

1. Figure out a budget.

What exactly are you going to spend on gifts, food, drink, accommodation, airfares, fuel, cabs etc.? Be realistic and even pessimistic. If you over-prepare then you’ll end up with a surplus, which is a great result.

2. Christmas saver.

Consider opening a new account which you can put a weekly amount into over the next 11 months in order to cover most, if not all, of  next years Christmas expenses. Even better, if you have a mortgage account, consider putting the extra money into the redraw or offset facility – that way you could save some mortgage interest during the year.

3. Gifts.

Figure out what you are happy to spend on each person and ensure you stick to it. Give yourself time to think about gifts, working out exactly what each person will receive, to keep your shopping trips short and avoid extra purchases. And negotiate with family members to stick below a certain amount, or to do Secret Santa, in order to keep costs down.

4. Credit card spending.

From now until Christmas, make additional weekly payments onto your credit card so you’re not caught out, as many people are, with an unmanageable credit card debt once you roll into January.

5. New year goal.

Figure out what you wish for in the New Year and start taking steps towards that goal right now. Whether it is a fitness goal, a new skill, a bucket list item or something as simple as a reunion with an old friend, make sure at least a small part of the Christmas period is about you by planning for and achieving something special.

109 Comments

  1. Amazing issues here. I am very glad to see your article.
    Thanks so much and I am looking forward to contact you.
    Will you please drop mme a e-mail?
    https://guntpb8meqw2.medium.com/
    Good value Essqy Compossing Support 24\7,Personalized Admissions Essay 2014 Ordering a paper ffor
    reasonable.
    appliication essay writing service
    application essay writibg service https://blog.storymirror.com/read/qulaoj5r/common-app-essay-examples-failure

  2. Everything is very open with a precise clarification of the challenges. It was really informative. Your website is useful. Thanks for sharing!

  3. The next time I read a blog, Hopefully it does not fail me just as much as this particular one. I mean, Yes, it was my choice to read through, but I truly believed youd have something helpful to talk about. All I hear is a bunch of moaning about something you could possibly fix if you werent too busy seeking attention.

  4. May I simply say what a relief to uncover somebody that really understands what theyre discussing over the internet. You certainly know how to bring a problem to light and make it important. More and more people really need to check this out and understand this side of the story. I was surprised that youre not more popular because you certainly have the gift.

  5. I don’t need to tell you how important it is to optimize every step in your SEO pipeline. But unfortunately, it’s nearly impossible to cut out time or money when it comes to getting good content. At least that’s what I thought until I came across Article Forge… Built by a team of AI researchers from MIT, Carnegie Mellon, Harvard, Article Forge is an artificial intelligence (AI) powered content writer that uses deep learning models to write entire articles about any topic in less than 60 seconds. Their team trained AI models on millions of articles to teach Article Forge how to draw connections between topics so that each article it writes is relevant, interesting and useful. All their hard work means you just enter a few keywords and Article Forge will write a complete article from scratch making sure every thought flows naturally into the next, resulting in readable, high quality, and unique content. Put simply, this is a secret weapon for anyone who needs content. I get how impossible that sounds so you need to see how Article Forge writes a complete article in less than 60 seconds! order here.

  6. Use artificial intelligence to cut turnaround time, extend your budget, and create more high-quality content that Google and readers will love. How It Works? WordAi is extremely fast and intuitive. Just enter your content, click rewrite, and in a matter of seconds, WordAi will rewrite an entire piece of content for you. WordAi comes up with different ways to express the same ideas by rewriting every sentence from scratch. This not only removes duplicate content, it also makes the rewritten content read completely naturally. Scale Your Business Make your entire content production process 10x more efficient. Use AI to create more high-quality, unique content that impresses clients and engages readers, all without having to put in more hours Register here and get a bonus.

  7. I was pretty pleased to discover this great site. I need to to thank you for your time for this particularly fantastic read!! I definitely appreciated every part of it and I have you book marked to see new stuff on your blog

  8. I was extremely pleased to discover this page. I want to to thank you for ones time due to this wonderful read!! I definitely appreciated every part of it and I have you bookmarked to look at new information on your web site.

  9. Its like you read my mind! You appear to know a lot about this,
    like you wrote the book in it or something. I think that you could do with a few pics to drive the message home a little bit, but instead of that, this is excellent blog.
    A fantastic read. I’ll certainly be back.

  10. I’m now not sure the place you’re getting your info, however good topic.
    I must spend some time finding out much more
    or figuring out more. Thanks for magnificent information I used to be looking for this info for my mission.

Leave a Reply

Your email address will not be published.

Post comment