Christmas can be an expensive and stressful time of year for everyone. Getting into debt is a very real worry, and many people find that they are still repaying prestige card fellowships for money they spent the former year when the next Christmas comes around. Here are a few ideas to cut the possible headaches.
1 - Plan ahead. Leaving shopping until the last week before Christmas or even Christmas Eve is bound to corollary in stress, aimless wandering nearby packed shopping centres, purchasing items which are not well-thought out gifts just for the sake of buying something. Have an idea in mind for each someone when you are shopping. If you for real have no idea what to buy someone then try request friends what they are buying for their loved ones - nobody will mind if you copy or adapt a good idea!
2 - Spread the cost. Beginning early is the key to this. When you are shopping for other things keep an eye out for sales and possible gifts which catch your eye. 'So and so would love this' can apply in August as well as in December and if you buy things when you see them with a definite someone in mind you will not have a huge layout to cope with at the end of the year - some people (or why not all?) will already be catered for.
3 - Homemade is often best. If you are on a funds why not think of gifts you can make yourself which will be appreciated and need not cost the earth. Christmas cakes make a great present, as do homemade chocolate truffles and sweets, jams and chutneys. They are easy and inexpensive to make, can be presented beautifully and as conception and effort have clearly gone into them, they are sure to be appreciated. Buy a plain box canvas and try your hand at some modern art, or if you are handy with a sewing motor what about production decorated cushion covers or fabric placemats?
4 - trade hunt. All the time assess prices of items you wish to buy using a price comparison website before spending money on the high street. You may well get the gift for less money from an online store. Alternatively many internet auction websites have brand new items for a fraction of the cost of shop-bought products.
Budgeting and spending effectively can seem an impossible task at Christmas, but with some rigorous and thoughtful planning, buying gifts for friends and family doesn't have to cost the earth or prove to be the headache it so often becomes when left to the last minute.
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