Get financially prepared for Christmas in under 12 weeks!

There is now less than 12 weeks until Christmas and for many of us that means only 2 more pack packets to pay for the big day. These top tips will help you budget efficiently and avoid the “Christmas debt hangover”.

2 pay packets until Christmas: How to prepare your finances for the big day.

Here are money.co.uk’s top tips on how to get prepared for the big day.

1) Start with a budget. Write down how much you can afford to spend, then divide this into presents, food and drink, decorations and social occasions.  If you have a lot of people to buy for work out how much to put aside per person. Don’t forget to budget for things like cards and wrapping too.

2) Payday plan: Put a portion of your pay packet aside as soon as you get paid between now and Christmas. You’ve only got 12 weeks left and you don’t want to get to December only to realise you’ve run out of time to put money aside.

3) Look for discounts: Black Friday is on the 24th of November, so make sure you start preparing early for it. Sometimes the best deals will can be found online before the “big day”. Use sites like camelcamelcamel to track prices and see if you really are getting a true bargain.

4) Book Christmas travel in advance: Book train or coach tickets early and use discount cards if you have one. Pre-book taxi’s after the Christmas party, get as many people to share with you as you can and agree a price with the taxi company before you get picked up. Trying to get one on the night will be a nightmare and could cost a fortune.

5) Switch bank accounts and get £££. Some bank accounts pay you for switching your current account – be quick the money can take 60 days to come through – just in time for Christmas!

6) Use budget shops:  Start buying dried goods like gravy and things that will last now to spread the cost of your Christmas dinner. If you spot a deal in the frozen good aisle grab it and make the most of the pre-Christmas deals.

7) Switch credit cards: If you haven’t saved as much as you want, consider using a 0% credit card to help spread the cost of Christmas over several months without hefty interest fees. Just be strict with yourself and devise a plan to pay it off before the interest kicks in.
If you’ll have the cash to pay off your bill at the end of the month, go for a rewards card that gives you cashback on your spending.

8) Redeem loyalty points: Check balances on your loyalty cards and use your points to help cut the cost of Christmas. Use Tesco Boost to get up to 4x more than your vouchers are worth with one of their partners. Remember your Boots and Superdrugs cards too where you can get amazing great value gifts.

9) Out with the old: There are so many buying and selling apps like Shpock and eBay and even Facebook has a way of you easily selling your unwanted things. Having a clear out and getting money for your goods is a great way to earn a bit of extra cash to put towards Christmas. You can also have a look for goods that you might need for the big day and get some great bargains.

10) Stoptober: Why not use the month of October to give up spending money on things you don’t really need. Be savvy with your cash by making packed lunches, not buying takeaway coffees, making fakeaways rather than nipping to the Chinese and limit your spending on snacks and beauty treatments. Set yourself a target and see how much you can save over the month then put this towards the Christmas dinner.

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Challenge BELLE VUE to deliver the ultimate Christmas experience for you this year!”

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