Use Your Budgeting Smarts this Christmas

If your New Year is typically darkened with debt and regrets, then you need to do something about it before Christmas, not after! You don’t have to just spend and spend because everyone else is doing it! It’s time to create – and adhere to – a sensible Christmas budget. Work out how much you have to spend This includes everything – the balances on loyalty cards, vouchers that you haven’t used, stamp schemes and your actual salary and savings. {Read More}

5 Ways To Do Christmas On A Budget

*Collaborative Post* Christmas is a time for family, being with your loved ones is the most important thing. But there’s all that other good stuff like delicious food and gifts as well, and that stuff costs money. The amount of money people spend on Christmas is out of control. Some parents end up spending thousands on presents for the kids and that’s before they’ve sorted everything else out. A lot of people even end up borrowing on credit cards and {Read More}