Keep that smile with savvy plan

EXPENSIVE: Keep control of Christmas spending with a budget plan

OK, so many may have a smile on their faces because it’s the start of the month and their salary has arrived.

But those grins could quickly disappear once the realisation sets in that it’s December and that means Christmas, presents and a whole load of unexpected expenses.

So how to make December budgets stretch out in order to last until the end of the month?

It’s all about savvy planning.

Spending blindly is a big no-no this month. People should sit down with a pen and calculator and work out a proper budget. After subtracting usual costs like rent and bills they can work out what’s left to play with over Christmas.

A list of people who need presents should be made and a certain amount of money allocated to each. And then the budget should be stuck to.

There is no point getting carried away with generosity that can not be afforded.

Gifts should never be bought on credit. If people don’t have cash to pay for something then they should not buy it.

No true friend will want the bank manager breathing down a pal’s neck to pay off over due loans for the sake of receiving a woolly jumper or a scented candle.

If there are friends and family to see after Christmas, then the savvy will hold back on buying their presents and get them something in the sales when everything will be ridiculously reduced.

Remember, some people might appreciate an alternative thought like a tin of homemade biscuits, a craft or even a few festive drinks at home to say Merry Christmas.

The options are limitless but people’s salaries are not. If they plan carefully they may make it to the New Year with a bit of change in their pockets.

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