Practical Advice on Affording Christmas This Year

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affording Christmas this yearThe weather changes, the nights get darker and the gloom of winter sets in; it only means one thing doesn’t it? Christmas is around the corner. For many of us our childhood Christmases were a magical time of the year.

Presents just appeared from nowhere, we had an unbelievable Christmas dinner and spent precious time with our family. Joyous wasn’t it? Well as we get older we realize that it isn’t as easy as it was made out to be when we were kids especially if you have children of your own.

A recent poll found that 1 in 10 people could not afford Christmas at all this year in the UK while a significant number said that they would essentially be paying Christmas off well into the New Year. Doesn’t exactly sound magical does it? However we are going to go through some simple things that you can do which should allow you to save some money this Christmas and ease some of the stress.

Firstly, what do you pay for by direct debit? Have you got a magazine or newspaper subscription that you never really use? Perhaps you have a forgotten about gym membership? Most of us try to avoid looking at our bank statement at all costs (as long as the ATM keeps giving us money all is OK, right?) however by combing through it, seeing what you are paying and then cancelling what you do not need and then putting this money towards Christmas you can end up having a bit more cash to spend this year. It might not be hundreds but it should help a little.

Even simple things like bringing a lunch into work can go a long way to saving money for the holidays. This doesn’t sound like it will make any difference does it however by making your lunch at home instead of paying for an expensive meal at work (even a sandwich and a drink can mount up over time) you can save some money each day which can be massively beneficial at the last minute and in the run up to Christmas day.

Even doing this for the month of December can help. Lastly, spend less this Christmas! How easy does that sound? Well if you can plan your Christmas gifts up to 2 weeks before the big day then hunt about online to purchase them. Usually you get a better deal by searching online for gifts and items and by giving yourself a window of a couple of weeks then you will be able to get them delivered by standard mail rather than paying a lot of money for next day delivery.

Saving money at Christmas time is not as easy as it sounds. After you have shelled out for presents and food etc… there is always something else that crops up which requires us to dig deep or borrow some money. If you are already struggling to pay monthly costs then Christmas is just an added headache. However, by following some simple tips like those that are mentioned in this article then you can be on your way to having a cheaper, more affordable but ultimately enjoyable Christmas this year.

Updated: December 2, 2012 — 3:46 am

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