![]() ![]() ![]() Many friends and also families have a “No Unnecessary Present Pact”, which can include just buying for children, or having a secret Santa between friends or extended family. Secret Santa does not have to be limited to just the workplace. ![]() eBay can also be a great place to nab a bargain, but remember to read the description carefully, including the size! Also, remember to check the delivery costs before buying! Christmas pact Many big brands now have their outlet shops online either via eBay or other websites. We really like Hidden bargainsĮbay or Outlet shopping can be a hidden trove of bargains. There is a range of online tools that will send you email alerts when your chosen item is on offer. Make sure you tick the item off your list, so you do not buy it twice. Not just a Christmas boxīy writing a list of things you want to buy, if you see food or a present at a good price you can get it early and put it in your Christmas cupboard. Look out for offers and buy what you know you like. It can be the same with food, higher branded goods are not always better. Buying a bottle of perfume from Next or M&S could be cheaper than Dior or Lacoste and can smell just as nice. Can you taste or smell the difference?įrom perfume to biscuits, the premium brands are not always better. You can also get cash back for purchases at a range of high street retailers with our Engage Account, find out more here. Always check that the provider is the cheapest, before making a purchase. If you click through them to buy something, they get paid for this and give some of it back to you. There is a range of cashback reward sites to sign up to. Sites like Vinted can be great for getting rid of some clutter, and generating extra cash, or finding a bargain! Cashback rewards Space is always at a premium just after Christmas, where are you going to store everything? Get ahead of and sell things you haven’t used in the past 12 months before Christmas and add the funds of the sale to your Christmas budget. Remember to include all the extra costs like food, drink, wrapping paper and Christmas pyjamas. The Money Savings Expert have a free budget planner that can help. Set a budgetīefore you start shopping, write a budget, and include a list of everyone you want to get a present for. So we have searched the web, and put together our top budgeting ideas for Christmas. “Simply put another way, it’s open and honest communication with those around you about your financial goals.With Christmas fast approaching you may be looking for ways you can make your budget go a little further. “Loud budgeting is the recent TikTok trend of being loud about your budget and declining invitations that don’t contribute to your overall financial goals,” said Bri Conn, co-host of the Childfree Wealth Podcast. It Prevents Financial Resentment Among Friends “Many people, even experts, recommend this approach as it encourages open conversations about money with the people around you and helps foster a supportive community that shares insights and experiences,” he explained. Joe Chappius, financial planner and tax expert at TaxClimate, said the new trend allows you to directly tell people why you’re making a financial decision, instead of hiding the fact that you’re struggling or are budgeting your money. “The idea is to promote transparency and destigmatize discussions about money matters.”īy being loud about your budgeting choices, he said you’re holding yourself accountable and contributing to breaking down societal taboos surrounding financial challenges. Make Your Money Work for You It Destigmatizes Money Discussions “It means realizing how much your money is worth and deciding where you want to spend it and not just giving in to societal pressure or impulse buying.” “Loud budgeting isn’t all about being frugal for frugality’s sake but instead promotes mindful spending,” she highlighted. This makes it possible for people to comfortably decline incurring costs that do not match their personal financial priorities. She noted, however, that loud budgeting has challenged that notion by promoting frank discussions about financial restrictions. “In the past, talking about money was considered a taboo, especially when it comes to limitations,” said Loretta Kilday, attorney and spokesperson for Debt Consolidation Care. This often results in better perspectives on finances, especially if you’re discussing it openly with family and friends. Connon added that it’s considered therapeutic because it helps reduce stress as you are verbalizing your worries and goals. ![]()
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