You don’t have to break the bank to enjoy a great Christmas. Don’t get overwhelmed by your time and finances by following our 5 tips to celebrating Christmas day on a budget.
1. Set a budget
Before you start thinking about what gift you’re going to buy for the office secret Santa – you need to be thinking about what you can afford to spend altogether on the festive period. The best way of doing this is by calculating your budget and knowing exactly where your money is going to go. Having a budget in front of you will help you to track your outgoing funds. You can start your own tracker by using a simple spreadsheet or you can use this Christmas Money Planner by The Money Advice Service
2. Make a list
Writing down a list of people you’re going to buy for or food you’ll need for the day will make sure you stay on track with spends. The list will give you a good idea important items and maybe not so important ones (Your neighbours cat might not need a present!) it’s also great to be able to cross the items off. Don’t be afraid to trim this list down when needed!
3. Don’t be fooled by sales
Don’t be tricked by the “50% off” signs that will start to appear around the shops – if it’s not on your list, you don’t need it!
4. Get savvy with vouchers
Whilst there will be deals in the shops that will make you spend unnecessary money – you can save a lot of money by checking for any discounts for items that are on your list.
5. It’s the thought that counts
Homemade gifts and decorations can be inexpensive and easy to make. Getting creative with some craft products can save you a lot of money but also make for a more personalised gift. If you’re not feeling creative – charity shop finds can also make for great affordable gifts!
About us:
Better Off Finance is offering residents of the Liverpool City Region who are currently unemployed (although don't have to be claiming benefits), a bespoke programme of support.
This support will be provided at a local community venue or at home if a participant prefers.
Each participant will be linked up with their own key worker who will support them to:
Improve their financial capability through 1-2-1 support and group work
- Access employability sessions within the programme
- Access a Level 2 Accredited ‘Money Mentor’ opportunity
- Progress into training and education opportunities
- Prepare and progress into sustainable employment.
Please contact us via our Facebook or Twitter pages to make a referral or for further information.
Better Off Finance is a program jointly funded by The Big Lottery Fund and European Social Fund as part of the Building Better Opportunities Initiative
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