Christmas is a time for excess. Many people love to treat the family, friends and partners to extravagant gifts, whilst feasting on huge meals and enjoying plenty of festive cheer. Of course there's nothing wrong with this, as long as you can afford it. For some though, Christmas costs can be overwhelming, even to the point of leading to ongoing debt problems. So what is the solution?
It sounds extremely obvious, but the best way of avoiding debt is to simply spend less. But that is often easier said than done and as a piece of advice it doesn't really go a long way to helping you achieve this goal. So where should you start?
If you're buying presents for your friends and family you don't want to get them something that they won't actually like just to save yourself a few pounds. So, armed with a list of gift ideas, make sure you do your research to find out where you can get the best deal.
For those who are fully committed to value and really making every pound count, you should look to combine research online and also on the high street. Starting early will give you the best chance of getting an unbeatable deal. In the lead up to Christmas, stores will often run a number of promotions in order to provide competitive pricing and encourage customers to part with their cash. So keep your eyes and ears open.
One way of finding out about the best deals quickly is to join or follow online forums where the latest offers from a number of retailers are regularly discussed. A lot of this will be completely irrelevant to you admittedly, but occasionally they can point you towards a fantastic discount so it's well worth following them - just in case.
The more you spread out your Christmas shopping, the easier it will be to save money. Effective budgeting might not sound like a whole lot of fun, but if you're going to be up against it, then there is no better way of ensuring that everybody enjoys a fantastic festive season without any financial repercussions in the New Year.
Every pound saved will go a small way towards cutting down the overall costs. You can never guarantee that a discount will last forever or that it will be repeated at a later date. Equally, you can't be sure that it won't be cheaper at a later date. So if you know what you're prepared to spend, have an idea of the current cost to use as a benchmark, then you can use this to inform your decision on where to buy from and when.
Internet retailers are generally cheaper, purely because of their reduced overheads, but you do need to remember to take into account delivery fees. Of course, if you're ordering close to the big day, you will also need to consider the time it will take to arrive too; it won't be all that useful saving money if you then don't have a present to show for it.
Whilst children and other loved ones might have their eyes on one big gift, this doesn't mean that other presents need to be as grand. Sometimes the little things that really show an understanding of a person and what they like will mean much more than an extravagant offering. So take the time to really think about the recipient and find them something that they will treasure or bring a smile to their face, even if it only costs a few pounds.
Spend less
It sounds extremely obvious, but the best way of avoiding debt is to simply spend less. But that is often easier said than done and as a piece of advice it doesn't really go a long way to helping you achieve this goal. So where should you start?
If you're buying presents for your friends and family you don't want to get them something that they won't actually like just to save yourself a few pounds. So, armed with a list of gift ideas, make sure you do your research to find out where you can get the best deal.
For those who are fully committed to value and really making every pound count, you should look to combine research online and also on the high street. Starting early will give you the best chance of getting an unbeatable deal. In the lead up to Christmas, stores will often run a number of promotions in order to provide competitive pricing and encourage customers to part with their cash. So keep your eyes and ears open.
One way of finding out about the best deals quickly is to join or follow online forums where the latest offers from a number of retailers are regularly discussed. A lot of this will be completely irrelevant to you admittedly, but occasionally they can point you towards a fantastic discount so it's well worth following them - just in case.
Plan ahead
The more you spread out your Christmas shopping, the easier it will be to save money. Effective budgeting might not sound like a whole lot of fun, but if you're going to be up against it, then there is no better way of ensuring that everybody enjoys a fantastic festive season without any financial repercussions in the New Year.
Every pound saved will go a small way towards cutting down the overall costs. You can never guarantee that a discount will last forever or that it will be repeated at a later date. Equally, you can't be sure that it won't be cheaper at a later date. So if you know what you're prepared to spend, have an idea of the current cost to use as a benchmark, then you can use this to inform your decision on where to buy from and when.
Internet retailers are generally cheaper, purely because of their reduced overheads, but you do need to remember to take into account delivery fees. Of course, if you're ordering close to the big day, you will also need to consider the time it will take to arrive too; it won't be all that useful saving money if you then don't have a present to show for it.
Little gifts
Whilst children and other loved ones might have their eyes on one big gift, this doesn't mean that other presents need to be as grand. Sometimes the little things that really show an understanding of a person and what they like will mean much more than an extravagant offering. So take the time to really think about the recipient and find them something that they will treasure or bring a smile to their face, even if it only costs a few pounds.
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