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Get Your Finances Fighting Fit For Christmas

Fighting Fit For Christmas

We love Christmas, however, one of the things that all of us realise is that Christmas can be incredibly expensive. In fact, so much so, that many people end up taking out short term loans or payday loans in order to boost their finances to get gifts and food that they need to buy.

It seems that there are only two choices when it comes to Christmas, save money and not have the Christmas that you think you and your family deserve, or spend out, perhaps getting into negative finance.

Well, what if we told you that you could actually have both things? There are ways that you can have fighting fit finances this Christmas, yet still have the very best festive season for your entire family.

Look after your finances throughout the year and avoid short term loans

Now we know that this one may sound obvious, but you would be surprised by how many people simply forget that saving money throughout the year, is one of the best ways to finance Christmas. Not only will this give you a budget that you can then work with and use to plan, but it will also make sure that the costs of Christmas are spread out throughout the year, rather than being all focused to a few weeks at the end of the year. There are a variety of ways that you can approach saving, you can open a savings account or, if you like the idea of something that little bit simpler, then you can always buy a savings pot that you can pop change in each and every week.

Look at the gifts that you need to buy and see if they are all necessary

Planning is another great way to make sure that you save money during Christmas. There are a variety of things that you can plan, this includes the gifts that you are going to buy for those around you. Think about the gifts that you need to buy, make a list of them and see if they are all completely necessary. You may find that some of the people on the list are struggling themselves to finance all the gifts that they need to buy, and so, by choosing not to buy each other presents, you will be helping each other out.

Check out Black Friday deals and see if you can save some money

If there are presents that you need to buy, then you are going to want to try your very best to save money on those gifts. Every November, a huge sale comes in the form of Black Friday. Black Friday is when a variety of items are reduced and you can always find yourself an amazing bargain. A variety of high street and online stores will have their own Black Friday sales, however, amongst the most popular is the Amazon Black Friday sale. This runs over the course of a few days and includes toys, electronics, clothes and a whole lot of other gift ideas.

Make your own cards and wrapping paper

Are you a relatively crafty person? Do you like to tackle DIY projects? If you do, then you might find yourself with a great way to save money at Christmas. Cards and wrapping paper can be expensive, yet, these are things that you can actually make yourself and save some money on. But where do you start? If you want to know more about how to make these things, if you are not sure where to start, then there are a variety of DIY craft projects out there that you can try for yourself. You can even use technology to give you a helping hand, using a printer and a computer to design and print out wrapping paper that you can then use.

Plan the food that you need to buy, including treats

Whilst buying gifts for other people is one of the biggest expenses at Christmas, another expense is the food that you need to buy. We all like the idea of treating ourselves during the festive season, which means that our normal frugal food shop can become frivolous. Now, we are not saying that you shouldn’t add in a few treats to enjoy with your family, but you need to plan things a bit better. Think about the things that you want to buy, that will be something that all your family will enjoy and buy those.

So, as you can see, you can have the very best Christmas, without having to turn to payday loans or short term loans. Think about what you are going to buy, plan things and try to find thrifty ways to make savings, and you will have the most amazing festive season whilst still keeping your finances in check. Which really is the best of both worlds.

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