Will you be a spender or shrewd saver this Christmas?

Savings

Alistair Hardie

5th November 2013 at 11:55am

Guy Fawkes night may seem a long way from Christmas, but did you know it’s only 50 days away?

How are you approaching  this season – will it be a season of excess?

It’s interesting that two of my colleagues and I are all having work done at home at the moment – whether it’s a kitchen being painted, or a bathroom renovated – it’s nice to think it will be ready for Christmas.

And then there’s other financial demands too – pantomime tickets, shopping for presents and all the food.

And the sales. So many bargains. So much we really need?

Okay, you get the point. Exaggerated a little in the making, perhaps. But it IS a challenge. How many of us have diligently put aside the Christmas budget in carefully planned 12ths so that none of this comes as a shock? Not too many, I am guessing.

So, now that you know you’re not in this alone, how might you make Christmas more affordable, to avoid starting January in the red?

Let me offer a few thoughts.

For instance, you could wait for the sales until the end of January when you might’ve been paid again AND the final reductions are on.

Zero percent interest over two years might make the purchase of that new carpeting or furniture more palatable.  But you’ll need to hunt for it (or negotiate it) and you’ll need to get your skates on if you want delivery by Christmas.

Finally, to help you budget for a happier, more financially stress-free Christmas, we’ve tracked down some handy online budget planning tools.

Let’s start with this easy to use Christmas money planner 

Mumsnet.com also has some great tips for a realistic yuletide which doesn’t break the budget

And Money Saving Expert has no less than 40 tips to save you money this Christmas 

Best wishes in being a shred saver over the next 50 days!

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