Christmas Expenses In Check
This is the last week Saturday before Christmas. Let's tick the checklist!
Have you bought all the gifts yet?
Have put up some decorations?
Have you bought all festive food?
Have wrapped the gifts yet?
Have you sent out greeting cards or e-cards?
If you haven't yet done all of the above and yet roaming in two heads, here is some little help.
1. Prioritise Experiences Over Gifts
Children often remember the experiences and traditions rather than the gifts they receive. This is good news. Because you can take them out for free Christmas events, small trips to the Christmas markets. On the other hand, you can also focus on creating memorable experiences such as baking cookies together, decorating the house, or watching Christmas movies. These activities are often low-cost or free and provide lasting memories.
2. DIY Decorations and Gifts
Get creative with your kids and make your own decorations and gifts. This can be a fun and educational activity. You'll be surprised how creative your kids will be. Use materials you already have at home or find inexpensive supplies at a craft store. Handmade gifts and decorations add a personal touch and are often more appreciated than store-bought items.
Spend the weekend creating memories.
3. Cook and Bake Together
Instead of buying expensive holiday treats, spend time cooking and baking with your kids. This can be a fun and educational activity that also saves money. Plus, homemade treats are often healthier and more delicious than store-bought ones. There are some very simple baking recipes out there that you do not need to be expert to make.
8. Set Realistic Expectations
It's important to set realistic expectations for your kids regarding gifts and activities. Explain to them that Christmas is not just about receiving presents but also about spending time with family and appreciating what you have. This helps to manage their expectations and reduces the pressure to overspend.
Overspending puts pressure on you and your family in January mainly.
9. Reuse and Recycle
Make use of decorations and items from previous years. Teach your kids the importance of reusing and recycling. This not only saves money but also promotes environmental consciousness.
10. Stay Organized
Keep a list of all the things you need to do and buy. Staying organized helps you avoid last-minute purchases and ensures you stick to your budget. It also reduces stress and allows you to enjoy the holiday season more.
So, if you think you're not ready for Christmas, you can catch up with simplicity, you can create a joyful and memorable Christmas for your family without the stress of overspending.
Remember, the most important thing is to spend quality time with your loved ones and create lasting memories. Happy holidays! 🎄✨
If you need any financial support, contact your local credit union first. Maybe it is a bit late for the Christmas loan, but you can still get the Family Loan. That's probably a smart way to set yourself up to saving for Christmas next year. Become a member, save and borrow smartly to cover all your expenses around the year.
Merry Christmas and Happy New Year.
