Now that summer has drawn to a close, the organized amongst us will already be looking ahead to Christmas. As crazy as it might sound to some, September is actually a fantastic time to saving for this. When you start planning and budgeting now you have almost four months to spread the cost, you can also take advantage of deals and sales rather than paying over the odds where prices go up. Here are some of the ways you can start planning for the big event.
Get Your Finances Sorted
Every now and again it’s a good idea to go through your finances and make sure everything is as it should be. This could mean making sure you’re getting the best deals on your utilities, or phoning up mobile phone and broadband companies and seeing if they can offer you any reductions. If you’re currently paying a lot of interest on debt, you could chat through your options with a company like debtsettlement.co. These could work to freeze your interest and get you onto an affordable payment plan that suits you. This will stop you falling into trouble with your money and means anything else you can save won’t just be sucked up by interest.
Transfer a Little Each Week
One of the best things you can do when it comes to saving is transfer a little money each week from your main account into a savings account. Pay your essential bills first and then transfer over however much you want from what’s left. Even a few dollars a week will add up, and give you a nice bit of money to work with come Christmas. This can take the pressure off massively when it comes to December’s budget. You’re less likely to borrow or get into debt too, and it’s so quick and easy.
Start a Savings Jar
Get yourself a big jar for saving money, and every time you come home with change in your pocket- throw it in. Chances are you won’t even miss it, but it will quickly add up. In December you can take it to the bank and put what you’ve saved towards any other savings and have a nice chunk of money for some food, decorations or presents that you didn’t even really need to think about.
Pick Up Things On Sale
If you write up a full Christmas list now, it allows you to pick up things as and when they on sale or there are good deals. Every time you pick up an item, be sure to cross it off your list as it’s still early days- you don’t want to end up buying things again because you’ve forgotten what was there. Whether it’s non- perishables for the Christmas food cupboard or gifts for people, keep an eye out in the coming months. Again it will help to spread the cost and come closer to Christmas it will be fewer things you need to buy. Even things like cards and gift wrap online now will be a good price, come November everything will be hiked up sometimes costing even double.