Finances over Christmas

It’s important to be money aware at all times of the year, but come Christmas it is easy to overspend and feel it doesn’t matter as you get into the holiday spirit.

If you are prone to overspending, it might be worthwhile organising things now, you could,
  • Create a budget, this is the first step towards taking control of your finances. It can help you to see where your money is going, so it’s easier to make sure that you’ve covered all of the things you need to pay. You can also spot areas where you can make savings.
  • Look for deals, but avoid buying on impulse. As you search for that perfect gift, try to find the best deal on that item. But if you come across a gift shop that promotes holiday “deals”, you might be tempted to buy more items than you need just because they are available at discounted rates. Be mindful of your budget and decide if that something extra is necessary and worthy of your purchase.
  • Be creative, and instead of exceeding your budget on expensive gifts, why not be creative and give your friends something handmade? People are always touched by the fact that you put time and effort to do something nice for them.
  • Pay Cash, at the height of the shopping season, many of us tend to be carried away easily with our purchases, especially if we own a credit card. Wherever possible, pay for everything by cash instead of credit card. This will help you avoid all the fees and interests that are charged to your card – and avoid the surprise of finding out that you actually spent more than you should when your credit statement comes in.
For more information on budgeting visit http://www.stepchange.org/

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