Top Tips for Christmas Budgeting and Saving

Top Tips O FOR D CHRISTMAS budgeting and sawing PLAN FOR AFFORDABILITY, not desirability O OSTMAS UST Clristmaa slupping en impulse in dangaa Make a shapping tt and stick to Remember, shops spenda fortune on targeting your spending impuises - a list helps you beat them v Saah-ar ce V Rob-plaptaion game V Mum- perture Instead calculatn vour budcnt and ask vounn "What can l afford to spend on Christmas DO YOUR RESEARCH Mauning an dhupplng in a sale? £39.99 o Take a look around today and check the price of the iterm you would like in a fere diferunt shops Check back at the prices every few days Some slores infute the RRP and then put it in the ale with a sning of so-yett could work out more expersive than it was a few weeks agol CUT OUT unnecessary Christmas presents Conaider nat iaing next Christman We're net taking about gfts from. parents or to grandchildren . but the ever widening glut oflends estended famly and colleagues. START SAVING EARLY to spread the cost A typical family speda mere thas E820 Clriskmas If you havent started saving, there's stil time. For example, put kaoo avidu from Oct and Nov's income to sprend the cost Or a much as vou can aford to heioin the buny month of December REMEMBER, kids aren't retail snobs Young chidren con't value your git based on price they offen seem more interested playing オ with the wrappirng So don't shell oui big bucks unnecessaritv DON'T panic buy Panic buying is perhaps the nerst thing you can do as iti.beinciedibly easy to overspend that way If you're not scnuting around for cdeals or comparing prices, you could spend far more than you need to Thats why you should stay calm, write a ist and try to find a few prices before you hi the shops - that wy. y can be ure your budget is being stuck to PLAN AHEAD FOR next year we know that this year's festivitikes have barely started. but there's nothing to stop you from Indulging in a bit of forward planning Start surving an soan as you can - you start now, a regular savings account could be ideal gving you the incentive to stach away a bit each month that can be withdrawn in time for next yeor's Christmas shopping ALEXANDERS CHARTERED ACCOUNTANTS HtpwwAIToneysoningpert.com/shopping/chtatms-saving Hpeshegmonysercouklop-torsoing monyin the runup la chrolmon t oneyfatsoskesmeeswingptips toswmoney tis-caras