How to get through Christmas without breaking the bank!
It’s that time of year again! Twinkling lights, the smell of cinnamon, roasting chestnuts.
Cue the panic. Now you have to buy presents!
Today, there’s often a focus on how much you spend or how extravagant you can be. As things become more expensive and wages stagnate Christmas can be stressful when it comes to your bank account. Here are my top tips on how to survive the holidays without going bankrupt
1. It’s not about how much you spend, it’s the thought that counts
I know this sounds cheesy ‘it’s the thought that counts’ but it is honestly true. By this I mean real thought. For me, it doesn’t matter how much you spend if you really think about something you know the person will love.
I adore stationary. You can get a notebook for less than a pound in many places. But knowing what I like and choosing an item that reflects that is what I appreciate the most. It’s not about the amount.
2. It’s not a competition
Spending hundreds of pounds and leaving yourself skint or resorting to credit cards is not the way to start the new year. It’s not about out doing anyone. It’s about quality over quantity.
Buying a gift you know someone will love. Spending time with someone you care about, those are the important things. Don’t get caught up in the Christmas rat race of spend spend spend. Ultimately, you aren’t doing anyone any favours.
3. If you can, make it!
Not everyone is crafty but if you are, or if you enjoy making things this is great way to give someone a great gift on a budget.
I’m not Martha Stewart, but I love making things for people. I try to really think about something they would like. I make jewellery at Christmas and I spend ages choosing colours and styles I think suit people.
It’s something that gives me joy to make and that is reflected when I give a gift.
4. Start early
Christmas isn’t surprise! It’s the same time every year. I start buying presents in September. This allows me to spread the cost over four pay checks.
It also means that by December I’ve normally got most of the presents sorted leaving my December pay for food and goodies!
If you don’t want to start buying presents in September then try putting some money aside. You can start this at any point during the year.
5. Make a list, check it twice
When you go Christmas shopping it’s easy to get caught up in everything. This means that going over a Christmas budget is very easy.
Make a list of everyone you’re going to buy for and cross them off when you’ve got that special gift. This means sticking to your budget is a lot easier.
6. Remember it’s time not money that’s important
If all of the rush up to Christmas, remember it’s spending time with those you care about that is the real gift. Whether it’s a hot chocolate for half an hour or a weekend visit it’s the time that counts.
If money is tight or you’re shopping for someone awkward, how about offering to do something with them or for them instead? Some DIY or a walk costs nothing but is priceless.
Making time for those you care about costs nothing. Ultimate it’s those memories that count.I hope these few tips help keep you centred during the holiday madness. These all work for me and help me have a great Christmas, give some great gifts and not break the bank.
Do you have any Christmas tips? Leave them below!