How to Cut Christmas Expenses 

Try and compare last years spending to estimate how much this year’s will cost

Important to calculate how much you actually have to spend this year

Let go of perfection, remember Christmas values of family and good cheer!

Shop online to avoid impulse buyingchristmas tree

Secret Santa for gifts whether it be family, friends or work. Everyone gets a gift but everyone doesn’t over spend

Limit TV time and toys catalogues for children, so unrealistic ideas are not asked for or expected

DIY gifts show personality and thought


Top tips for budgeting in general

Use Cash not Card

Focus on Saving

Keep your receipts

Analyse spending