Here’s 3 simple things you need to focus on right now!
Do your Christmas list now
Who are you buying gifts for and what are you setting as a budget?
If you do this now you still have October to readjust this if you think finances might not stretch as far as you would like them to.
Consider pooling cash for family, collectively you may just get something a little more special than that “this will do” present because that’s as far as your money can stretch.
It’s great to give but your friends and family don’t want you stressing out later, keep it realistic.
Identify what other areas Christmas might cost you?
Are you taking time off work perhaps without pay or does your employer close down?
Do you need to allow costs to travel to family if they are out of town?
Are there activities to plan for? Family day outs or trips to the movies to keep the kids happy on a rainy day?
Thinking ahead means you can focus through October and November tucking away savings to help with these expenses.
It’s that or the credit card right.
Google can be a great friend
As soon as you are happy with your list start searching. You will be amazed at what deals you will be able to find to keep your spending within your budget if you are looking now rather than the last minute.
So your thinking, “sounds great but I can’t save right now” then here’s what you do and why.
It’s a common statement but I can tell you, everyone has a savings capacity they just don’t know how to work it out and its actually very simple.
Download my guide ‘Understanding your savings capacity’ so you know exactly what you can be saving immediately and that will help you when you start working on your Christmas Budget.
It also includes 10 other simple money saving ideas which can help you save even more.
Take the steps now to make sure Christmas doesn’t turn into stress and regret.