Tuesday, 26 November 2019

Try Not To Get Yourself Into Debt At Christmas

Christmas puts us all under pressure and we shouldn’t really have to feel like that at all.It is one day they say but it ends up being more like 2 months of sprinkle tinsel and dine onslaught.You could save a regular month each to put towards your Christmas presents but I feel that even with this you’re going to be buying stuff that isn’t really needed. Perhaps you and your family could put towards a family holiday together during the following year ~ a great memory maker. This is something that might take a few years to save for dependant on where you go or what you might do.

Keeping your eye for deals is good and don't be afraid to buy Christmas presents from Charity shops you  will honestly be amazed at what you pick up for next to nothing for new items and the money is going to a good cause.It is worth looking at Martin Lewis and his money saving Expert website as there is some great advice on there.

And if you do have some outstanding debt and you really want to start to make a difference to your finances without it wildly impacting your credit rating.Firstly ring up what ever credit provider you have and ask about freezing the interest while making constant repayments under a plan. You won't be able to use your credit card etc whilst this is going on and it will be noted on your credit file that you're under some sort of arrangement but it won't wildly affect your credit rating.

Another way to keep those costs down at Christmas is to make your own cards and it can be done for little or no cost , perhaps you have a crafty friend that you could share crafting supplies with.

And batch cooking is a good idea as well to save the cash over the festive season and perfect also if you get unexpected guests.

If you’re going away over the festive season and in particular have cats or small animals like a hamster then perhaps ask a friend to pop in and look after them.

We should not be a slave to the pressure of stuff and even though my son is at university we will get him stuff that’s practical shower gel etc.

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