Christmas can be a lot of fun, no doubt about that, for adults and kids alike. But it can also be an expensive time of year. It’s undoubtedly the time in which credit card usage peaks and people find themselves throwing the budget out the window. Drowning in debt by the turn of the New Year is not a place anyone wants to find themselves. So plan to cheat to avoid budget creep.

Plan A, B & C…

A. Online Christmas

Go your hardest cheating on the old tree unfriendly, soon to be rubbish, paper card. Go modern this Christmas and send cards online! There are no card cost and no postage with e-cards and the kids will love the novelty of them. Hallmark has a great e-card site at ecards.hallmarkcards.com.au.

Make card sending a fun online treat for kids. With so many great cards to choose from, they can pick that special card for each of their friends and family.

Make card sending a fun online treat for kids. With so many great cards to choose from, they can pick that special card for each of their friends and family.

We also shared in a recent blog how you can start a new tradition with relatives and friends who live far away by using Skype to hang out. Bake, make and share online in the theme of collecting moments throughout the holiday season.

B. Get crafty

Cheat on expensive extravagance this Christmas by finding fantastic gifts at your local craft or farmers’ markets. Not only are purchases sometimes cheaper than their store-bought equivalents, you can also find something more original. Plus, markets can be a really fun day out for the whole family.

Home made decorations are a winner with kids looking for something to do over the holidays. Stop them from driving you crazy with their “I’m bored” stories and get them cheating on the shops with their seductive isles of Christmas paraphernalia stocked two months ago.

 

Crafty kids will have heaps of fun making Christmas decorations for the home. And it will save you heaps of money.

Crafty kids will have heaps of fun making Christmas decorations for the home. And it will save you heaps of money.

Try making paper snowflakes traditional flat snowflakes as well as 3D snowflakes. Heaps of variety in sizes, designs, and paper can give plenty of decoration all over the house. Or use aluminium cans, cut circles out of them, press them flat, punch a little hole in the top, and string them up. Watch them sparkle with your twinkle lights. And the good old favourite, make long strings of popcorn by tying one end to a needle and threading the needle through popped popcorn.

C. Pre  prepare

Cheat on Christmas day!! WHAT?! Yes! By pre baking meals for Christmas. Won’t work with all your Chrissy treats, but making meals and morsels working up to the day and spreading the work load, as well as the cost, can work well if you freeze them. Pre-make biscuit dough and throw it in the freezer. Bake cakes for your trifles and throw them in the freezer. Potato bake, cauliflower bake, pasta bake….cook it up and guess what? Yep, throw it in the freezer!

Check out this cool way to prepare your roasties. http://goo.gl/fIZJRg

Avoid a creepy budget

Its Christmas not Halloween so keep the creepy things in check; including your budget. As you plan, think about everything you need to buy so that your needs and budget are accurate. Watch out for that budget creep. It’s easy to shop and think: “Those coloured paper plates are so much nicer” or “Maybe I should get another bottle of wine, just in case.” Be strong — stick to your budget! Keep debt free thoughts on your mind.

If you’re looking for more inspiration for your amazing Christmas on a budget check this out. http://www.pinterest.com/aimeeb52/christmas-on-a-budget/

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If you’re facing financial hardship over the Christmas period we are here to talk about a solution.  Call us on 1300 887 211 or Book a Free No Obligation Phone Consultation with our friendly team and we can discuss debt management options specially focused on your personal situation.