Too many people every year end up having money problems at Christmas because the spend too much money. Christmas should be relaxing not a cause of worries. Unfortunately many people are having to borrow money to cover the cost of Christmas and end up starting the new year in debt.
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We have put together 12 money saving ideas to help you have a great Christmas without spending beyond your means.
They are a mix of fast tips and recommendation that will take a little longer.
1. Find your inner entrepreneur and raise some extra cash. There are plenty of ways to up your funds: selling unwanted things on ebay or completing surveys in return for cash for example.
2. Open a savings account and set up a direct debit to pay in a few pounds each week or month on payday. You should resist the temptation to dip into your savings during the year.
3. Write your Christmas list as soon in the year as you can. This way you can look out for your Christmas presents and buy them if they are on sale rather than paying the full price.
4. Make your own Christmas decorations rather than buying them, for example you could make paper chains out of recycled wrapping paper or old brightly coloured magazines.
5. Save with a Christmas savings scheme such as Park Hampers. You choose what you want from their catalogue and then pay for it during the year. When it gets to December all of your shopping is already paid for.
6. Charity and second hand shops can sometimes be hiding treasures. So have a good rummage through and see what gems you can uncover.
7. You could also have a look in shops like TK Maxx. Home bargains is really useful for stocking fillers.
8. If you are hosting Christmas dinner ask each of your guests to bring something
nike heals , a bottle of wine, Christmas pudding, biscuits, cheese etc. That way you are spreading the cost and the workload.
9. During the year when you are doing your weekly shop keep an eye open for special offers. This will also mean less work for you. on non-perishable goods and stock up while they are on offer.|Stock up on non-perishable goods when they are on special offer or reduced.}
10. There are lots of websites that list discount vouchers. Have a look and see if you can find any voucher codes for the items on your Christmas shopping list.
11. Make your own Christmas crackers. Christmas crackers are usually very expensive and filled with presents that no one wants, so it may be cheaper to make your own and include presents that you know people will love.
12.Instead of buying a presents for all of your friends and family
ladies nike high heels , why not have a secret santa, where you each buy only one gift. Everyone spends less and everyone has a gift to open on Christmas day.
a bottle of wine
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