Christmas is the same time every year, so it shouldn't be a financial shock to our bank balance. Planning ahead and creating a budget throughout the year, are your secret weapons to a financially stress free Christmas. Sticking to a budget will help you keep track of your spending. By putting a little something away … Continue reading Avoid Overspending: Tip No. 5 for a Debt-Free Christmas – Start planning for next year! 🎄✨
People often use credit for even the smallest purchases. A simple swipe of a card is undoubtedly convenient. But an unwillingness to exercise self-control, when it comes to money, can rob you of financial security. An impulsive attitude toward buying significantly affects other areas of your life and can lead to a breakdown in relationships. … Continue reading Avoid Overspending: Tip No. 4 for a Debt-Free Christmas – Avoid High-Interest Credit Options
There are lots of positives to giving gifts. Yet, it can sometimes be stressful. This is especially true when you are working to a tight budget. Trying to meet the other person's expectations adds to the stress. Our culture highlights gift giving as one of the most important ways of showing you care for someone. … Continue reading Avoid Overspending: Tip No. 3 for a Debt-Free Christmas – Get Creative With Gifts
We spend money every day. Some things we need to buy to live, or we have to pay as part of our daily living. Other are luxuries, things we want to have but can live without. At Christmas, the lines become blurred. What was once considered a luxury now becomes an essential because the pressures … Continue reading Avoid Overspending: Tip No. 2 for a Debt-Free Christmas – Make a List and Prioritise!
This year, Black Friday and Cyber Monday offer more deals than we can handle. It can be extremely tempting to spend impulsively with a little help with interest free payments. But overspending this time of year can soon become unmanageable. The joy of Christmas can turn into a pit of despair by the third Monday … Continue reading Avoid Overspending: Christmas Debt Tips
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