10 Tips To Avoid Christmas Debt And
January Blues
The silly season is
upon us…rushing around spending money we don’t have buying things people don’t
want and listening to the same old Christmas songs!
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Christmas might be
a time for giving, but that doesn’t mean you have to give yourself a headache
in the New Year with bills and debts you can’t afford. Millions of people max
out their credit cards in December only to wake up with a financial hangover in
January.
It’s so easy to
overspend and fall for those tempting offers and feel pressured to buy, but you
must decide how much you can afford before you start shopping.
10 tips to avoid Christmas
Debt And January Blues.
1. Set
a budget and stick to it! Don’t overspend.
2. Plan
your purchases early to avoid panic buying.
3. Shop
around for deals, especially for food and drinks.
4. Look
for discount codes and offers.
5. Check
out interest free deals and 0% cards.
6. Pay
off credit card debt as soon as possible.
7. If
you can, hold off large purchases until the post-Christmas sales.
8. Discuss
holding a ‘gift buying truce’ with your extended family and friends (NOT
your partner and kids!). They will probably be relieved!
9. Limit
gifts to a maximum price, have fun with a secret Santa or agree charity
donations.
10. Never
neglect household bills to spend on Christmas.
Watch out for Black
Friday “deals”….do you really need that gadget?
Not everyone
celebrates or even looks forward to Christmas, which is okay.
Finally, you can enjoy
a simple holiday season without getting into debt. It’s all about mindset,
planning and communication. Christmas is not just about buying presents.
With the
cost-of-living crisis getting worse, there’s never been a better time to learn
how to manage your money and change your financial blueprint.
Check out my new training to help you get control of your finances and learn
how to become financially
free in 28 days!
Click to join: https://bit.ly/3isugCr
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