“It’s hard to pay for Christmas out of December’s budget alone, so it bodes well to set aside as much as you can beforehand. The earlier you begin sparing, the less you have to set aside every month. Indeed, even a little sum over a couple of months can have a major effect. There are plenty of ways here and there you can come up with a few dollars a week before the expected Christmas.”
Take a deep breath – it’s Christmas budget time.
Unless you have an endless pot of cash, we’re all in the same boat when it comes to festive financial fear.
Every year is a race between the bank balance and the shopping list, as we board the white-knuckle ride, waiting to see which will run out first.
Make this year different. Join the smug few who have Christmas wrapped up before the overdraft maxes out.
Follow our ten-step guide and sleigh through the trauma of the Christmas shop.
1. Be a savvy Internet shopper
Make yourself familiar with voucher code websites. Bookmark these sites and make sure you check out the discount codes on www.moneysavingexpert.co.uk as well as Hotukdeals.co.uk before you make a purchase.
Make sure you’re getting the best deal available on your shopping, using price comparison sites, such as Quidco, Kelkoo, Pricerunner and mysupermarket.co.uk
2. Write a list… and stick to it
Make a list and tick things off as you buy them so you don’t duplicate. Internet shopping will help avoid temptation and make it easier to price-check items.