Sunday, December 11, 2016

Budgeting in December


Hey lovelies, how quickly has December come around? It's crazy. Since early July I've been on a spending ban in the hopes of saving some money and this is continuing into December! So here are some tips for saving money this month!

1) Look around

When looking for presents/wrapping/stocking gifts - make sure you look around many places will sell the product somewhere else for cheaper. For example B&M have the same wrapping that's in Clintons but it's so much cheaper at B&M. You might be able to find some real gems for a bargain price! Sometimes outlet stores have great bits too.

2) Be realistic

It's normal to want to spoil the people you love but if you can't afford to - you can't afford to. Know what your budget is and how much you can spend - just don't put yourself in a position where you spend too much and can't afford to live ( I know people who have done this and do this every year)

3) Plan and budget

Knowing what your budget is going to help, this helps you set a guideline for what you can spend - not just with gist but food and bills too. It's easy to add mince pies, wine and christmas cake and other bits to your shopping and spending other money. Also heating is a necessary in December! I'd suggest buying a notebook or if you have a financial planner use this and just split your money weekly/monthly so that you know exactly how much you have!

4) Leave your card at home

Now you must be thinking Kayleigh why would you even suggest this? Whether your shopping/celebrating/ at the staff party taking cash will be adequate, your card will mostly inspire impulse buys and with cash once it's gone it's gone.

So these are just a couple of tips! I'd love to know your tips for saving money this December.


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