Sticking to your budget this Christmas
If you’re dreading January already, the credit card bills, the scrimping and saving for Christmas, then now is the time to do something about it. You don’t have to accept Christmas debt, you can take steps to create and stick to a sensible budget for this coming festive period.
Work out how much you are going to spend
Think about everything you’ll have at your disposal. This includes the points balances on loyalty cards, unused vouchers, and stamp schemes if you’ve been using any. And of course your salary. When you’ve totted everything up, then you can work out how much to allocate to everybody, and don’t forget travel, food and drink expenses.… Continue reading