| With Christmas just around the corner,
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| | you can spend on each gift.Christmas Food
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| our focus is slowly starting to shift
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| | Shopping6. Take your Christmas Dinner
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| from our work commitments to Christmas
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| | budget and make a shopping list.7. When
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| and with it comes the annual Christmas
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| | you are doing your shopping use a
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| spending spree.Unfortunately many
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| | calculator to make sure you stay within
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| families don't set a Christmas budget and
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| | your Christmas budget.8. Save money by
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| they rely on their credit cards to get
| |
| | looking for the cheaper priced goods on
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| them through the festive season.Shortly
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| | the top and bottom shelves. Try not to
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| after Christmas these same families will
| |
| | buy items that are on shelves at eye
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| also develop symptoms of the "Christmas
| |
| | level, these are usually the higher
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| Giving Blues" which can include an upset
| |
| | priced items.9. Try not to buy items that
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| stomach, lack of sleep and anxiety.You
| |
| | are located in the displays at the end of
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| know that feeling. You spend up big,
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| | the shopping aisles, these items are
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| charge it on the card, and then spend the
| |
| | usually more expensive than the items
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| next couple of months worrying about how
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| | located in the aisles.10. Compare prices
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| you are going to pay off your Christmas
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| | of similar items and buy the cheaper
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| debts while vowing never to let this
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| | item.11. Remember that Christmas is only
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| happen to you again.Unfortunately, this
| |
| | one day a year. You don't have to spend a
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| is a reality for a lot of families every
| |
| | weeks worth of grocery money on one
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| Christmas and they just don't seem to be
| |
| | day.12. Ask each relative to provide a
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| able to break out of the cycle.This year,
| |
| | food dish, drinks or dessert.As soon as
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| give yourself and your family a Christmas
| |
| | Christmas is over and the pain is fresh
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| gift and take the "Christmas Budget
| |
| | in your mind. You need to take action and
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| Challenge" and enjoy your Christmas
| |
| | put in place the second part of the
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| without the suffering the Christmas
| |
| | "Christmas Budget Challenge". This next
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| Blues.There are two parts to the
| |
| | step will ensure that you have enough
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| Christmas Budget Challenge:1. Put in
| |
| | money for next Christmas1. Add up all
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| place a strategy that will help you
| |
| | your Christmas expenses including gifts,
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| survive Christmas with as little pain as
| |
| | food and any other costs.2. Take the
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| possible.2. Put in place a strategy that
| |
| | total of your Christmas expenses and
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| will give you a plan to enjoy your next
| |
| | divide it by the total amount of pays
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| Christmas. This plan will also run itself
| |
| | until next Christmas.3. Open high
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| without you even thinking about it.Let's
| |
| | interest bank account with the following
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| start by putting in place a plan that
| |
| | attributes:- No minimum starting balance-
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| will hopefully make this Christmas a
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| | Interest is accrued daily and billed
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| little easier on your hip pocket:1. Have
| |
| | monthly- Interest rate on this bank
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| a look at your finances and set an upper
| |
| | account must be higher than the inflation
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| limit that you can afford for your
| |
| | rate.- No bank chargesING Direct and
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| Christmas spending. Allocate a certain
| |
| | Citibank have an online banking account
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| amount to Gifts and a certain amount to
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| | that may be suitable for your Christmas
|
| other Christmas expenses. This is the
| |
| | Budget account.4. Organize an automatic
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| start of your Christmas budget.2. Leave
| |
| | bank transfer from your bank account to
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| the credit card at home and pay for
| |
| | your Christmas Budget account. This
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| Christmas with money wherever possible.3.
| |
| | transfer will be on each payday for the
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| Keep track of all your Christmas
| |
| | amount you worked out in step 2. It is
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| spending. A good way of doing this is by
| |
| | important that this is automated because
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| carrying a small notebook and pencil and
| |
| | most people will not stick to this plan
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| writing your purchases in it.Gift
| |
| | if it is a manual process.5. When next
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| Buying4. Call your relatives and agree
| |
| | Christmas comes around withdraw your
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| that Gifts will only be purchased for the
| |
| | money and repeat the process again.This
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| children5. Take your Christmas Gift
| |
| | plan is very simple and surprisingly
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| budget that was allocated in step 1 and
| |
| | effective and you will be able to enjoy
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| divide it by the number of gifts you need
| |
| | your next Christmas without the suffering
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| to buy. This number will be the maximum
| |
| | the Christmas Giving Blues.
|
