Worried About Money? | A Littlelondoner

Worried About Money?

It might not be December just yet, but that doesn’t mean that a lot of us parents aren’t already stressing about Christmas. For children, the festive season is a magical time and the most exciting part of the year. There are lots of Christmas events to look forward to, yummy food, and, of course, all those presents to open on Christmas morning. However, for us parents, Christmas can sadly be a highly stressful time, because the festive season can get so expensive.

 

 

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As a parent, you want to ensure that you give your kids the most enjoyable, memorable, and magical Christmas. However, if money is in short supply, it can seem like this isn’t possible. However, the good news is that just because money is tight, that doesn’t mean that you can’t have an amazing Christmas. Believe it or not, there are plenty of ways you can make the festive season that little bit more affordable.

 

Have a read of the tips and suggestions below for making things more budget-friendly. Implement these, and you can plan the most incredible Christmas for your family.

 

Create a shopping list

 

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The first step to keeping Christmas budget-friendly is to write a shopping list. This should comprise of all the gifts, food, and decorations that you want to buy. By writing a list of what you need to buy, you can get an idea of how much it will all cost. This is important as once you have a total, you can then start to work out how you make Christmas more affordable. As well as what things could be cut or swapped for more budget-friendly alternatives.

 

Look at ways to cut costs

 

Once you’ve got a grand total in mind, the next step is to look at ways that you could cut costs. Being budget-friendly isn’t about being stingy. It’s about finding ways to make the festive season that little bit kinder to your bank balance.

 

How about making some of your gifts yourself, instead of buying them? Homemade gifts are always appreciated because they show that you put time and effort into each and every present. To save money on the cost of Christmas food, have a look at Christmas hampers that provide you with everything that you need. These often work out much cheaper than buying everything separately, so are worth considering. Instead of buying each of your friends a gift, how about suggesting that you do a Secret Santa? That way, each of you only has to buy one gift, helping to keep Christmas costs down. 

 

Consider getting a loan

 

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If you’re really worried about paying for everything and don’t think that you’ll have the funds to do it, perhaps it could be worth taking out a loan. You may not like the idea of getting yourself into debt, but if it’s a small loan that is affordable to pay off, there’s no problem. By taking out a loan that can be paid back in affordable instalments, you can spread the cost of gift buying and reduce the stress that you're under. 

 

If you like the idea of taking out a loan, have a look at online loans such as payday loans uk and see what options you have available. Ideally, you want to choose a loan that comes with low rates of interest and gives you a good period to pay it back. Obviously, taking out a loan isn’t something to rush into. However, if you know you’ll be able to pay it back, and it will make Christmas easier to deal with, then it’s worth considering.

 

Shop the sales

 

How do you do your Christmas shopping? Do you shop at your local shopping centre or do you buy online? If you don’t already buy online, it’s worth giving it a try, as often there are more deals online than in-store. Plus, because when shopping online you can flick from site to site, comparing prices is much easier than in-store.

 

 

So there you have it, simple ways to make the festive season that little bit more affordable. If money is tight, there’s no need to panic as there are plenty of options for cutting costs and making Christmas more budget-friendly.

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T, A & H xxx

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