Lots of expensive gifts, selected food, stress, bustle and zero to your credit as a real picture of Christmas today? Maybe with most families, but if you don’t want to, why not just say NO to you. Even with homemade sweets instead of bought, handmade gifts instead of luxury-valued and last year’s decorations, a beautiful Christmas can be made. So set a real amount that you not only can, but also want to spend, and follow it – just to avoid unpleasant surprises when you see your bank statement in January.
It is not advisable to delay your Christmas shopping! Not only will you avoid the stress of crowded department stores, half-empty shelves and indefinite online store delivery times, you will also save! If you buy everything in advance, you are very unlikely to ride on a wave of “Christmas Madness”, running under pressure the day before Christmas to shop and buy everything that comes in hand, for twice as much money.
• Internet as a reliable helper
If possible, avoid shopping centers and shop over the Internet, where you won’t be lured by every corner. On the Internet you can easily avoid the assortment you do not want to buy, save time and especially money.
• Draw hidden reserves
Go through your monthly expenses and think about where to save most effectively. For example, focus on bank account charges, phone plan rates, or individual loan repayments, and you’ll find that optimizing can save you a decent amount. “Thanks to the so-called Partner Consolidation, couples living in the same household have the opportunity to combine all the loans of both partners into one, get lower interest and monthly payment than they had originally and save money for the whole family”, says Kyle Munic from Bankil.
• Benefit from membership
Take a look at the website of your telephone operator, lender or energy supplier and you may be pleasantly surprised. Some of them offer discounts to their existing customers in various clothing stores, cosmetics, electronics, or even tickets to concerts, theater performances and exhibitions, which will surely be a pleasant highlight for your loved ones under the Christmas tree.
• Hand made is appreciated even if you don’t think so
Made gifts often delight much more than those bought. Everyone can crochet a cap, make earrings or a photo album with the help of the Internet today – so excuses are not appropriate.
If you still have to go to the store, plan and write down your lists – for gifts, Christmas cookies, a festive dinner, decorations and everything else related to Christmas. This is not the only way to take everything you could from your shelves, but to buy only what you need and how much you need.